问题导航
问题1、贷款承诺函是做什么用的？问题2、出贷款承诺函下来了就等于贷款成功了吗问题3、谁能提供银行贷款承诺函格式？问题4、贷款承诺函出了，银行可以不放款吗问题5、银行贷款承诺函能撤消吗问题1、贷款承诺函是做什么用的？
贷款承诺是借贷双方就贷款的主要条件已经达成一致，银行同意在未来特定时间内向借款人提供贷款的承诺，具有法律效力。
问题2、出贷款承诺函下来了就等于贷款成功了吗
开出承诺函，基本算是贷款成功，没有严重违规的情况下会放款，真正的成功是签借据
问题3、谁能提供银行贷款承诺函格式？
不知道你说的是不是这个 FINANCING FACILITY GUARANTEETo: (the Bank’s full name and address) Issuing date_______Dear Sirs,Re: Our Irrevocable Guarantee No._________Whereas (hereinafter called ‘the Bank’) has extended on (date) (or will extend ) an overdraft facility and/or other credit facility (hereinafter called ‘the Facility’) to (hereinafter called ‘the Borrower’), the Bank requires a bank guarantee as security for the due fulfillment by the Borrower of his obligations under the Facility. We, XXXXX BANK, ________BRANCH (address: ________), hereby irrevocably and unconditionally guarantee an amount not exceeding ______ (guaranteed amount in figures and words) for the unpaid amount by the Borrower according to the terms and conditions of the Facility plus the interest at _____ (interest rate) calculated as from _____ up to_____, upon receipt of your signed bank’s duly signed request by registered mail or courier service stating that the Borrower has failed to fulfill its obligations at maturity under the Facility and the respect in which the Borrower is in breach.Your demand for payment must also be accompanied by the following document(s): (specify document(s) if any, or delete)This Guarantee shall become effective when the Bank has provided the Borrower with the Facility as stipulated in the Contract and shall expire in full and automatically if no claims are received by us on (expiry date) and expires regardless of such date being a banking day or not. Any amendment or modification of the contract mentioned above, which would affect our obligations under this Guarantee must require our written consent. Otherwise, our obligations under this Guarantee shall be automatically null and void.The amount of this Guarantee shall be automatically reduced by the sum(s) already paid by the Borrower pursuant to the contract or by us as a result of claim.This Guarantee is governed by CHINESE law, place of jurisdiction and performance is .
问题4、贷款承诺函出了，银行可以不放款吗
可以。
办理房产抵押贷款流程：
1、借款人在银行开立活期存款帐户；
2、准备贷款要求的资料；
3、去银行指定机构评估房产；
4、面前银行；
5、银行报卷和审批；
6、审批通过下批贷函；
7、到当地的建委做抵押登记，建委出它项权利证；
8、分行约额度；
9、银行放款；
10、银行贷后审查；
11、借款人偿还本息。
问题5、银行贷款承诺函能撤消吗
（1）银行贷款承诺函一般不能撤消。
（2）原因：首先要看银行承诺函的具体内容。一般银行出具的承诺函有两种形式，即营销性承诺函和实质性承诺函。营销性诺函只是泛泛地承诺，一般内容都有只在被承诺人满足承诺人全部贷款条件、经过承诺人按照内部流程完成审批获得批准后才能获得贷款，因此也叫意向性承诺，实质上不承担什么责任；实质性承诺函承诺内容就相当实质化，将有关条件认真仔细地列入承诺函中，在满足这类条件后，银行就必须按照承诺内容履行义务，承担责任。
银行贷款承诺函是指：
（1）银行与借款客户达成的一种具有法律约束力的正式协议，银行在有效承诺期内，按照双方约定的条件、金额和利率等，随时准备应客户需要提供贷款，并有权向借款客户收取承诺费的一种授信业务。
（2）有效期：从开出之日起到正式签定借款合同止。一般为6个月，最长不超过1年。
