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工商银行贷款审批流程有什么？

工商银行贷款审批流程有什么？

浏览：30次 | 提问时间： 08-06 11:28

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喜余归 08-06 11:29

工商银行贷款审批流程一、自己找银行的信贷员咨询情况二、银行的信贷员跟你了解情况三、在信贷员了解你的情况之后，帮你查资信，需要你本人授权的四、确定你可以贷款之后，签订贷款合同五、客户准备审批材料并递交银行五、银行审批六、审批通过，客户办理房产过户或者审批通不过，银行退件。

时光碍人 08-06 11:37

中国工商银行“幸福快车”个人*消费贷款 “幸福快车”个人*消费贷款是银行向申请购买*的借款人发放的*币担保贷款，具有办理手续简便快捷、担保形式多样、贷款额度高等特点。“幸福快车”贷款助您实现购车梦想，全面提高生活品质。一、申请人条件在中国境内有固定住所，有当地常住户口或有效居住身份，具有完全民事行为能力，并且符合以下条件的中国公民均可申请“幸福快车”个人*消费贷款。 1. 有正当的职业和稳定的收入来源，具有按期偿还贷款本息的能力; 2. 遵纪守法，没有违法行为及不良信用记录; 3. 能够提供银行认可的有效权利质押物或抵押物或具有代偿能力的第三方保证; 4. 若为“间客式”贷款，还需持有与特约经销商签订的购车协议或购车合同; 5. 在中国工商银行开立个人结算账户，并同意银行从其指定的个人结算账户扣收贷款本息; 6. 银行要求的其他条件。二、贷款金额以质押方式担保的，或银行、保险公司提供连带责任保证的，贷款最高额可达到购车款的80%; 以所购车辆或其他财产抵押担保的，贷款最高额可达到购车款的70%; 以第三方(银行、保险公司除外)保证方式担保的，贷款最高额可达到购车款的60%。三、贷款期限 *消费贷款一般为3年，最长不超过5年(含)。四、贷款利率 *消费贷款按照中国*银行规定的同期贷款利率计算。在贷款期间如遇利率调整时，贷款期限在1年(含)以下的，按合同利率计算;贷款期间在1年以上的，实行分段计算，于下一年年初开始，按相应利率档次执行新的利率。五、贷款流程 1. 借款人向银行提交如下*: (1)贷款申请审批表; (2)本人有效身份*及复印件; (3)配偶的有效身份*原件及复印件以及同意抵押的书面证明; (4)居住地址证明(户口簿或近3个月的房租、水费、电费、煤气费等收据); (5)职业和收入证明(工作*原件及复印件;银行代发工资存折等); (6)有效联系方式及联系电话; (7)提供不低于规定比例的首付款凭证; (8)贷款担保证明*; 贷款担保可采用权利质押担保、抵押担保或第三方保证。采用质押担保方式的，质押物范围包括借款人或第三人由工商银行签发的储蓄存单(折)、凭证式国债、记名式金融债券，银行间签有质押止付担保协议的本地商业银行签发的储蓄存单(折)等; 采用房产抵押担保的，抵押的房产应为借款人本人或其直系亲属名下的自由产权且未做其他质押的住房，并办理全额财产保险。采用第三方保证方式的，应提供保证人同意担保的书面文件、保证人身份*原件及复印件、有关资信证明材料等。

没有人能挽回时间的狂流 08-06 11:46

1)居民住房抵押申请书，并提交银行下列证明材料：* 户口本婚姻证明房本银行流水单　　(2)银行对借款人的贷款申请、购房合同、协议及有关材料进行审查。　　(3)借款人将抵押房产的房产证与银行办理抵押登记手续0　　(4)借贷双方担保人签订住房抵押贷款合同并进行公证。　　(5)贷款合同签订并经公证后，银行对借贷人的存款和贷款通过转帐方式划入购房合同或协议指定的售房单位或建房单位。

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