How to apply for bank credit until the disbursement stage. Adding capital and using it to purchase supplies of raw materials can colleagues earn by applying for credit to the bank. Sometimes we see a new opportunity in our business and require additional new capital. The loan we need should be obtained from a trusted bank funding source. Whether it's private, peers can find information via the internet, newspapers, and the wisest is to come directly to a branch office or a bank unit. Ask to be introduced to the bank Account Officer and save his / her phone number so that whenever you need information. In the early stages of submission of credit, the Account Officer will come to visit home and business, usually at the same time with photos of residential houses, guarantees, and place of business. This survey is important to be performed by banks to implement the prudential principles of banks in maintaining trust funds managed from deposits of others. Sometimes colleagues also had to find a brochure that reads "Without Survey, Without bank checking, 1 Hour of Liquid" Do not trigger happy, pay attention to the monthly installment and calculate, definitely surprised to see the interest because with the easy service the average interest charged also high. Bank checking is one of the bank's obligations for the principle of prudence.
The goal is to know the history of banking colleagues, whether experienced (have a loan in another bank) and how the picture of payment (smooth or not). While appraisal appraisal is done to know the value of assets that colleagues provide as collateral for credit (land and buildings, cars, etc.). The process and results of bank checking is the secret of the bank, while the appraisal process is usually marked by the arrival of officers who conduct ground smashing, photographs and check the condition of the building, as well as checking the engine number of the vehicle. In this process the data that colleagues provide will be processed by Acount Officer and analyst. The process of analysis involves bank checking, appraisal appraisal, income (salary and business turnover) data, number of filing and time frames, verification to suppliers, buyers, and neighbors, and other conditions outside the business. The point of the bank's assessment will be to look at the conditions of payment and personal character, capacity or experience of running a business, good name, guarantee value, owned capital, and economic conditions affecting peer business.