Is a system engineering to bank loans, you may feel very troublesome, but after all it is borrowing things, national authorities have been tightly regulated, otherwise not devoted to the establishment of a China Banking Regulatory Commission, the bank is also do everything by rule. If so, Is it right? Can rest assured that boldly "follow the prescribed order", of course not! In this complex society, to apply for a bank loan you need to pay attention to the following matters:

One, through formal channels for

Too much now society of every hue liar, if listen to a friend or online information, you may well into the crooks are predefined "trap", thereby lending not, may also cause many unnecessary trouble. In addition, more need to avoid loan business through acquaintances or intermediary, because some people specially "affinity", then you only eat "yabakui". Therefore, if you have the need loans, should be to the bank business outlets, when facing the bank service ambassador or by the customer manager. Bank staff is usually wear employee number, title and name, so you can easily identify the identity of the other party, to avoid being cheated.

Two, a clear understanding of the relevant costs

See the bank staff, should be to each other that you have come, capital requirements and other matters, if people buy a house, you need to bank staff to position, buy a house, apartment layout area, their income situation, Shoufu capacity etc.. Of course you also understand the loan amount, term, interest rates, repayment methods, cost etc.. If your company capital is nervous, should focus on the introduction of the basic situation of enterprises, such as enterprise set up years, asset scale, business scope, the demand amount about life, etc..

In addition, other costs to loan interest you should understand, if there is no fees, security fees, management fees and other financial.

Three, submit the application materials, carefully to see the terms

It is necessary to apply for loans from banks is also very important. For a loan, to fill out some forms and submit some data are essential. Said the first form, because these forms are bank pre ordered well, under normal circumstances, you have no way to change, but you must carefully read the terms, does not understand the place, should be to the business staff to understand the situation, but also to the professional legal advice if necessary, see to understand these tables, and then confirm in the above signature.

Besides, if personal loans, submit the application materials to the bank, generally includes the person's identity card, account book, marriage certificate, certificate of employment and income. These materials are generally provide the original copy, bank. It should be noted that, your submitted information, mostly relates to your personal privacy, such as identity cards, residence booklet, marriage certificate. To avoid unnecessary trouble, you need to make sure that the material, the number of copies and the style you provide, in order to avoid the material to be used, it is best to use a pencil in the marked "for * * bank loans, once again copy is invalid" and other words.

If is the enterprise loans, generally need business license, tax registration certificate, credit card, the articles of association of the company, capital verification report, financial information. You need to be in each of the materials above the seal of the company, is issued by the company to confirm the material. Here need to remind you is, each material you'd better hand stamp, try not to put the official seal of the company to the bank staff to cover, is given by others to seal, don't leave your line of sight range. Because, sometimes, the bank will remind, inform the customer something, to supervise the staff behavior. This time, business people tend to avoid these things, while you do not pay attention to, with your company's seal, to prove that you already know these things, you be live in a drum. In addition, the need to remind you is, in providing loans materials, avoid false, fabricated loan materials. If the Bank review links, basic materials are defective, your loan application possible in this link will be rejected.

Four, actively cooperate with the investigation and review of Bank

Borrowing things, all need to review, approval. Don't think, provides application information you Everything will be fine., here you need to pay attention to is, bank examiners have on-site or telephone survey of you, so you must be psychologically prepared. If the field investigation, you need to actively prepare, certainly not asking you like to meet the inspection, cleaning, high post signs. Personal loans in general is to learn about your living and working conditions. If it is to your home, you need the personnel to the home to say hello, let them have a psychological preparation, but generally do not need to avoid. If it is to your unit, also should notice to relevant personnel, such as reception, HR departments etc..

If is the enterprise loan, you need to arrange the relevant personnel of the company such as financial department manager, marketing manager and other personnel to the scene, to answer questions regarding the bank staff. Only fully understand the real situation of your company, the approval of your loan will soon.

Five, the safekeeping of the loan contract, accounting vouchers

Loan approval, bank staff will tell you to go to the bank to sign the contract, handle the withdrawal procedures. The signing of the contract note will not go into details here. It should be noted that, each contract is generally more than one type, there must be a copy of your, remember. Loans made to your account, will give you a receipt, which is to collect. After that, just remember to pay (if repayment), good repayment vouchers.

From the above points of view, in fact, the loan is quite simple, just procedures and more just, who let it with money, like this also is actually good, the advantageous to people, happy loans, as clear as noonday consumption!