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What is the general process for handling personal consumption loans? Does anyone know?

Questioner: @a.*** City: National Label: Consumer Loans Question Time: 2017-12-19 14:31
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  •             Enthusiastic friends
    2017-12-20 17:02
    Loan process

    1. The borrower submits the following information to the bank:

    (1) loan application approval form;

    (2) My valid ID card and photocopy;

    (3) The original and photocopy of the valid identity document of the spouse and the written certificate of consent to the mortgage;

    (4) Certificate of residence address (receipt of residence book or rent for three months, water fee, electricity fee, gas fee, etc.);

    (5) Occupational andProof of income(original and photocopy of the work certificate; bank payroll passbook, etc.);

    (6) Effective contact information and contact number;

    (7) Loan guarantee certificate information;

    Loan guarantee can be usedPledgeA guarantee, a mortgage guarantee or a third party guarantee.

    In the case of pledge guarantee, the scope of the pledge includes the borrower or a third partyICBCIssuance of savings deposit slips (discounts), voucher-type government bonds, registered financial bonds, and deposit certificates issued by local commercial banks with pledge payment guarantee agreements between banks;

    If the real estate mortgage guarantee is used, the mortgaged property shall be the free property rights under the name of the borrower or his immediate family members and shall not be used for other pledges, and full property insurance shall be applied.

    Where a third-party guarantee method is adopted, the written document of the guarantor's consent for guarantee, the original and photocopy of the guarantor's identity document, and the relevant credit certificate shall be provided.

    (8) Personal settlement account voucher opened at ICBC;

    (9) Other information as prescribed by the bank.

    2. After the bank approves the application materials submitted by the borrower, the two parties sign the loan contract, the guarantee contract, and handle the relevant notarization and mortgage registration procedures.

    3. The bank issues loans to the borrower by transfer.
  •             Enthusiastic friends
    2017-12-20 15:12
            (1) The borrower holds a valid identity document,Pledge, mortgage, guarantor guarantee document toloanComplete the application form by handling the outlets. After the bank investigates the borrower's guarantee, credit, etc., it will reply to the borrower within 15 days.
    (2) After the borrower's application is approved, the loan contract and the corresponding guarantee contract are signed with the bank.
    (3) The borrower can re-use the loan within the validity period of the quota, and the available amount is the difference between the approved amount of the bank and the balance of each loan principal under the quota. After the borrower owes the loan, the available amount is deducted accordingly. After the borrower repays the loan principal, the available amount increases accordingly.
    (4) Before the expiration of the credit limit, the borrower shall pay off the full principal and interest of the loan under the quota, and go to the bank within 20 days after paying off the principal and interest of the loan, and go through the formalities of mortgage and pledge registration and cancellation, and the borrower and the bank sign the “loan contract”. Termination by yourself.
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