What is the lending process of China Merchants Bank?

1. What is the lending process of China Merchants Bank?

1. Borrower submits loan application;

2. China Merchants Bank conducts examination and approval;

3. After approval, the borrower shall go through the guarantee procedures;

4. Sign a loan contract with China Merchants Bank;

5. After signing the loan contract, China Merchants Bank will lend money.

2. What process does China Merchants Bank need for loans?

, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information. (1) Basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan; (3) Rectification of original unreasonable loans; (4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention; 5] Project proposal and feasibility report; (6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

3. What is the lending process of China Merchants Bank?

The loan process of China Merchants Bank is as follows:

1.

After preparing your ID card and income certificate, submit your application at the counter of the business hall of China Merchants Bank.

2. Bank audit:

After receiving the application materials, the bank staff shall authenticate and verify the authenticity of the materials, and approve them after verification.

3. Go through the loan formalities:

The borrower needs to find a guarantee company as a guarantee, and go through the mortgage registration in the relevant departments to buy loan insurance.

4. Sign the contract:

The borrower signs a loan contract with the bank, stipulating the loan term, amount, interest rate and repayment method.

5. Bank loans:

After verification by the superior branch of China Merchants Bank, it will be approved to the business hall of the branch, and the branch will issue the loan to the borrower's account on schedule.

Specifically, you can do this:

First of all, you can fill in the loan application through the bank official website or the bank counter, you can also call the customer service phone of China Merchants Bank, and you can also get detailed information through the loan platform, such as work and address, income, loan amount, etc. After the loan application is submitted, it will be submitted to China Merchants Bank for review, and will be reviewed again after the initial review. Such as ID card, marriage certificate, address certificate and income, according to your economic situation and consumer demand, grant the loan amount and duration. The loan contract was signed on time. Secondly, the process of China Merchants Bank's personal automobile consumption loan: all citizens with full civil liability can repay the consumer loan on time, and there is no bad credit record, with simple procedures and flexible repayment methods. Individual of China Merchants Bank

Automobile consumption loan process

1. Apply for a loan: After the borrower applies for cancellation of the car, he fills in the relevant application form, provides materials that meet the requirements, and checks the credit standing, repayment ability and authenticity of the materials of the borrower and the guarantor according to the regulations. After the loan is approved, the borrower goes through the following procedures: First, the borrower goes through the guarantee contract and guarantee contract for the car consumption loan, and goes through relevant procedures such as notarization, mortgage registration and insurance. 4. Lending: After the borrower completes the relevant procedures, China Merchants Bank will pay the loan to the borrower's personal account and transfer the loan to the relevant payee's account according to the borrower's entrustment.

Personal automobile consumption loan materials of China Merchants Bank: 1, borrower's identity certificate and marital status certificate; 2. The borrower's professional and economic income certificate issued by the department recognized by the lender; 3. Car purchase agreement or contract signed with the dealer designated by the lender; 4. Deposit certificate or down payment receipt of not less than the down payment; 5. If the real estate is mortgaged or pledged, it shall provide a list of the mortgaged property or pledge, a certificate of ownership, a certificate of consent of the person who has the right to dispose of it, and a certificate of mortgage valuation issued by the competent department; 6. If the guarantee is provided by a third party, a written document, relevant credit certification materials and a certain percentage of deposit agreed by the guarantor shall be issued; 7. Other loan information required by the bank.

4. How to apply for the owner loan of China Merchants Bank?

China Merchants Bank owner loan application process:

1. Select the vehicle and submit the materials.

2, material verification, bank approval

3. Pass the examination and sign the contract.

4. Pay down payment and apply for licensing.

5. Complete the formalities, lend money and pick up the car.