1. How can I borrow money from a bank in my own name?

1. The borrower applies for a loan from the bank and submits the loan application materials; The bank conducts a preliminary examination of the application materials submitted by the borrower; The bank will examine and approve the loan qualifications of borrowers who have passed the preliminary examination and credit investigation; If it is approved, the bank will notify the borrower to sign the contract and go through the relevant procedures such as mortgage or pledge; Banks issue loans after the loan contract comes into effect.

2. Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law.

Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

2. What is the procedure for applying for a bank loan?

The procedures for applying for bank loans are as follows:

1. Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials. If the customer is a mortgage loan, the property right certificate of the collateral needs to be issued; If it is a customer with unsecured loans, it is necessary to provide a good credit record;

2. Apply to the bank: after preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;

3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit is unqualified, the bank will return the relevant information of the customer and explain the situation to the customer;

4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer also needs to go to the relevant department to register the mortgage for future inquiry;

5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

What are the requirements for personal loans?

Hello, general loan needs 1. The borrower is between 22 and 65 years old and has full capacity for civil conduct. 2. Good credit information, repayment ability and repayment source. 3. The purpose of the loan is clear and legal, and the loan shall not be used for stock, securities and futures speculation, real estate speculation, or used for borrowing to seek illegal income. 4. Collateral (collateral cannot be mortgaged across provinces, and the borrower has the right to completely dispose of it, and the collateral is not mortgaged, so there is no legal provision).

What is a lender and what is the difference from a borrower?

Lender refers to the person who issues loans to the party in need of funds, generally referring to commercial banks and central banks.

The main difference between the borrower and the borrower is that the borrower borrows funds and the lender borrows funds, which is the lender. The two are mutually beneficial.

According to the general principles of loans

Article 19 The borrower shall provide the lender with relevant information required by the lender in a timely manner according to law, and shall not conceal or provide false information.

Article 20 The borrower shall accept the lender's supervision over its financial status and loan use according to law.

Extended data:

According to the general principles of loans

Article 17 A natural person borrower shall meet the following basic conditions:

(1) Having a legal identity document or a valid residence certificate in China;

(2) Having full capacity for civil conduct;

(three) good credit, stable income or assets, and the ability to repay the principal and interest on schedule.

(4) Unless otherwise provided by the administrative organ.

Article 23 The borrower shall not use the loan for the following purposes:

(a) production, operation or investment in products or projects prohibited by the state;

(two) in violation of the relevant provisions of the state to engage in equity investment, in violation of the provisions of the state to use loans as registered capital, capital verification or capital increase and share expansion;

(3) Investing in stocks, futures and financial derivatives in violation of relevant state regulations;

(4) Budget revenue and expenditure;

(5) Other prohibited uses as stipulated by the state.