什么是贷款申请程序?
金融知识
As a loan officer, one question that I help answer on a daily basis is, “I’m new to Farm Credit. 我需要做些什么才能申请贷款?”
What seems like a fairly straightforward question can be interpreted in many different ways and have more than one answer. The biggest thing to keep in mind is that no two loan requests are ever quite the same. It is a lender's responsibility to provide the necessary support and guidance to make the loan process as seamless as possible.
大多数初始贷款请求分为两类:
- 申请人知道他们想买什么 (i.e., a specific piece of real estate, # of head of beef cattle, new tractor, 等.). This borrower already has the estimated purchase price of the asset and is ready to make an application and start the official loan process.
- 申请人正在考虑买东西 (在早期阶段). 这可能是很多东西. 例如, 购买不动产, 一件新设备, 饲养牲畜, 甚至是施工请求. They are unsure of the purchase price and may not exactly know what they are looking for yet. What they do know is that they want to purchase something and will possibly need a loan to assist them. 这些类型的请求属于体育彩票外围平台的“资格预审”
与贷款人的对话
尽管这两个要求非常不同, they both most likely started the same way- with a conversation. 这是贷款流程的第一步. 在那次谈话中, a lender will ask the inquiring individual many questions to determine what they are purchasing, 他们的计划, 如果有符合他们需求的贷款产品.
收集和审阅的文件
如果/当申请人准备好继续前进, the first thing that a lender will require is a completed application and copies of all applicant IDs. Other items that may be requested include a variety of financial documents including but not limited to:
- 个人纳税申报表(通常为三年)
- Business Tax Returns, if applicable (typically three years)
- 所有申请人最近的W-2或1099
- 个人资产负债表
- Verification of assets- most recent statements for any bank accounts, 投资账户, 退休账户, 等.
- 所有应聘者最近的工资单
- 已签署的合同或销售单据
**Additional items may be requested depending on the nature and complexity of the request. A lender will communicate with you to determine what those may be.**
This is a great time for the lender and applicant to set up an appointment and go over the specific items needed and any forms that will have to be completed. 信用申请, 特别是, 一份文件一开始会让人不知所措吗, 尤其是对于第一次借款者. The lender will be able to guide the applicant through the various parts of the form, 包括资产负债表, and provide clarity to any questions pertaining to the application or other documentation that may have been requested.
Loan Application Submitted for Processing and Credit Review
一旦申请完成, 收到id和请求的财务项目, 官方贷款流程将开始. A lender will submit the loan request to a Processing Center. The processor will pull the applicant's credit score and communicate that report to the loan officer. 然后进一步审查应用程序以进行分析. 这个过程可以由贷款人完成, or the request may be sent to a credit underwriter for their review. 在这个时间点, a loan officer will be in constant communication with both the applicant and the underwriter assigned to the request. All parties will work together to ensure that the appropriate documentation is received and provide answers to any questions regarding the request. 从那里，将提供一个决定. 如果获得批准, the next steps and what is needed to proceed with the request will be discussed. 如果请求被拒绝, the lender will explain how they came to that decision and provide guidance and help answering any questions or concerns.
资格预审申请
对于属于资格预审类别的请求, 完成了类似的评估过程. The lender will review your loan application and determine if a pre-qualification can be granted or if the request will need to be denied. 如果提供资格预审, the loan officer will continue to follow up with the borrower to determine if/when they are ready to proceed with the official loan application. 在那个时间点, your lender will be able to discuss with you what information is required and what will be needed before formal approval can be granted.
贷款审批——越来越近了!
如果贷款被批准, 申请人和贷款人将讨论贷款条款, 利率, 费用, and any necessary conditions that are required as part of the formal approval of the loan. 从那里，请求将转到贷款处理. The loan processor assigned will prepare all the essential loan documents, ensuring that all loan conditions and terms are included in the paperwork. Depending on what the loan is for will determine what further steps will need to be completed prior to loan settlement and funding. 例如, 如果申请的是购买房地产, the loan officer will order an appraisal on the property that will be used as collateral for the request. In addition, the loan officer will need to ensure that the property has no liens placed against it. They will coordinate with an attorney or Title Company and ask them to complete a standard title search on the property, confirming that the property is “free and clear” of all liens and encumbrances. The lender will continue to be the main point of contact during this time. They will let the applicant know what items may be pending and where they are in the loan process.
贷款结束-你在那里!
When all loan conditions and terms of approval have been met, a settlement date will be set. 在这个时间点, the applicant will sign the loan documents, and the loan will be funded. 贷款流程完成!
下载 贷款申请流程 信息图表.
作者
埃尔莎Southard
弗吉尼亚农场信贷公司的信贷员