If the loan in Hebei Bank is successful or not, will you write back?

Yes, if the loan is successful, the bank will send a text message. Specific preparation materials and operation procedures are as follows.

Personal loans include: personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, personal certificates of deposit (national debt) pledge loans, etc. These loans mainly apply for loans from credit loans and mortgage loans, and the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. Requirements for bank loans:

(1) permanent residence of urban residents under 65 years of age 18 years of age or valid residence identity card with full civil capacity;

(2) pay the down payment;

(3) have a stable legal income and the ability to repay interest;

(4) When applying for loans, property buyers should have free funds of not less than 30% of the purchase price.

(5) The borrower agrees to use the purchased house and its rights and interests as collateral;

(6) The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the local government;

(7) The purchased house is not within the scope of the demolition announcement.

(8) Other conditions required by the lending bank.

Loan amount: the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. With personal housing mortgage, the maximum loan amount shall not exceed 70% of the mortgaged property value; Where individual commercial housing is mortgaged, the maximum loan amount shall not exceed 60% of the value of the mortgaged property. Materials to be submitted when applying for a loan The borrower applies to the bank, fills in the application form in writing, and submits the following materials at the same time:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Proof of income or personal assets;

5. If mortgage loan is adopted, it is required to provide the house ownership certificate of the mortgaged house, the identity certificate of the owner of the mortgaged house (including the legal owner), the marital status certificate and the written certificate of consent to mortgage; And assess the value of collateral according to the regulations and provide assessment reports; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report;

Consequences of not repaying the loan:

1. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will sue the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (auction collateral after deducting the deposit, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

2. Credit will be affected and will be recorded in the national bank credit information system, and loans under personal names will also be recorded in the national personal credit information system for overdue loans. If the lending bank does not eliminate the records, it may not be able to get all the bank loans in the future.

3. If you are not maliciously defaulting on the bank loan, and you are able to pay the interest on the normal loan, I suggest that you apply to the loan bank for an extension of the loan first, stating the willingness to repay, the fact that you have not repaid the loan for the time being and the plan for repayment in the future. Under normal circumstances, the bank will help.