Loan credit secured loan guarantee as security for loans mortgage loans home loans auto loan personal Self-commissioned Loan Loan

Loan credit secured loan guarantee as security for loans mortgage loans home loans auto loan personal Self-commissioned Loan Loan

Loans to banks or other financial institutions under certain conditions, such as interest rate and loan money must be returned to a form of credit funds. Generalized loans refer to loans, discounted loans and other funds out of the general term. The form of loans to banks by the concentration of money and running out of money funds, to expand production to meet society's need for supplementary funds to promote economic development; the same time, bank loans can be a result of interest income, increase their own accumulation.

Processing channels and processing procedures

1. Go through channels: personal loan business by China Construction Bank opened a branch handle personal loan business, in some cities, China Construction Bank, established professional automotive financial services center handled personal loan business loans personal loan center is a professional organization accepted.
2. Apply process:
① accepted. Handler introduced to customers the amount of loans for personal consumption CCB eligibility criteria, duration, interest rates, guarantees, payment methods, handling procedures, and breach of contract management and the need for borrowers to bear the cost, etc., on the borrower's loan conditions preliminary eligibility and application materials.
② investigation. Investigators according to relevant regulations, to take reasonable means to the customer to submit materials to investigate the authenticity of the content, rate the applicant's repayment capacity and repayment will.
③ approval. Approval by the right person according to the customer's credit rating, mortgage situation, pledge the situation and guarantee that the final approval of the customer to determine the amount and the amount of integrated credit period.
④ release. In the implementation of the loan conditions. Customer demand in accordance with paragraph at any time apply to the bank the amount spent.
⑤ post-loan management. Loan OK to be Anzhao management of the loans the borrower and the guarantor Guiding pair of Shouru conditions, the use of loans, arrived (quality) value of charge Wu Deng Bian Hua Ji Xing Neng status supervise and inspect the results of Yao You check the written record and archive Baocun. Way to implement security or credit should guarantor or the borrower's ability to monitor credit and compensation, and require the borrower and the guarantor to provide assistance.
⑥ loan recovery. The loan contract, according to both lenders and borrowers in the repayment plan, repayment date, the account from the agreed repayment deducted. Loan borrowers can also go to ICBC business office to repay the loan