Financial 360 > Q & A> Loan question and answer> Loan down the bank will inform you? 

Loan down the bank will inform you?

Asked by: @a. *** City: Nationwide Tags: Loans Question Time: 2017-11-29 10:40
Have settled in credit manager pleaselog inanswer
You can also enter1500Words
For questioner to accept your answer (required)
 At the same time apply for credit manager settled

Common similar problems

A total of 2

  •             Enthusiastic users
    2017-11-30 12:47
            Yes, the operation flow chart to provide advice -> acceptance of applications -> pre-loan investigation -> loan approval -> loan release -> loan recovery -> loan management
    A brief description of each part of the process
    1, to provide advice, accept applications, pre-loan investigation
    (1) to provide counseling managers to provide advisory services to customers, the consultation includes: has started a personal loan room types, objects, conditions, quotas, duration, interest rates,RepaymentAnd so on.
    (2) accept the application borrower in theConstruction BankAfter consultation, and provide the following information: ID card, proof of the relationship between the mortgagor and the borrowerProof of income, The purchase contract, the first payment voucher, the guarantor's written consent for the guarantee, and other relevant information requested by CCB.
    (3) After the pre-loan investigation agent accepts the loan application, it investigates the completeness, authenticity, validity and legality of the "application" submitted by the loan applicant and the information requested. Through the pre-loan investigation, that meet the loan conditions, ready for approval.

    Second, loan approval
    (1) Bank authorized staff within the approval authority - Credit department responsible person -
    (2) Approving and approving by the handling agency other than the approval authority - After the investigation and approval of the approving and approving personnel of the credit approval agency of the superior bank, the loan approval form and the approval materials are submitted to the responsible department of the credit department and the credit department for approval Sign the approval opinions on the form and submit them to the branch manager in charge of the examination and approval opinions on the approval form.

    Third, the loan issuance signed a contract - for registration of mortgages, insurance, notary and other procedures - After the entry into force of the contract to fill all kinds of vouchers - the borrower to open a deposit account - to handle loan transfer procedures.
    (1) After signing the contract loan approval, the handling personnel fill in the contract according to different purposes of borrowing and loan guarantee respectively. The borrower parties (borrower, mortgagor, guarantor) sign the contract with the authorized signaton of China Construction Bank. (2) After handling the relevant procedures such as registration of mortgage, opening of insurance account, deposit account of borrower, signing of mortgage contract and receipt of collateral, the credit department shall register the "Collateral and Warrant Register" one by one according to the collateral, and at the same time, Value Fill in "China Construction Bank collateral acceptance notice" stamped with the manager's name, the business sector seal and the borrower or the mortgagor's chapter, together with the mortgage warrants, the quality and the right to the custody and accounting departments.
    (3) After the entry into force of the contract fill all kinds of accounting documents.
    (4) Procedures for Handling Loan Loans After the accounting department receives the notice of issuance of loans from the credit department and verifies the validity of the loan, the loan department shall handle the loan payment procedures in accordance with the relevant provisions and procedures. The deferred payment shall be in the form of direct debit or special debit paragraph

    Fourth, loan recovery
    (1) Entrusted payment method: The borrower shall sign the commission debit agreement with the loan bank.
    (2) counter repayment method: the borrower will cash or credit card, deposit card to the counter operator handle.

    Five, post-loan management
    (1) Daily management: the incomingPersonal housing loansConduct tracking management, query analysis, including loan ledger, daily notification of loans, overdue collection, post-loan inspection, query statistics, collateral custody until the loan is settled.
    (2) Settlement and Removal: When the borrower pays the principal and interest of all the borrowers on schedule, the credit department shall write off the "collaterals (collaterals)" and the "warrant register" at the same time to fill in the collateral of the China Construction Bank and transfer the pledges Notice "to inform the accounting department and the collateral custody department. The accounting department, the custody department and the custodian department shall handle the formalities for the settlement of the detainees after they are verified correctly.
    (3) File Management: After the credit handling staff finishes each loan, the company collects the relevant information regularly and submits the original contract to the file controller and handles the transfer formalities. Copy of the contract to retain the credit department staff for routine management. After the loan principal and interest settled, the credit department should notify the archivist to formally file the file.
  •             Enthusiastic users
    2017-11-30 13:02
            Yes, the money credited, will send text messages to fill out the application form to stay on the phone number.Bank loansstep:

    The lender submits a loan application, providing information requested by the bank.
    Bank of collateral investigation (pre-assessment) and the bank signed a loan contract, signed by fingerprinting, for all loan procedures.
    The bank will report the loan information for examination and approval. After the loan is approved, the formal mortgage formalities will be handled.
    To the bank in the accounting department borrowed the agreement to sign the loan, and get the original single borrowing a single.
     Bank loans to the designated account. And SMS notification.
  • Still not satisfied with the above answer? You can consult your expert about your problem

Related questions | related information|Related Encyclopedia

The company is located in:
Popular issues recommended