How long does it usually take for CCB to lend money? Usually, we go to the bank for a loan and need a lot of money to buy a car, a house or start our own business. The time for lending is definitely different under different circumstances, ranging from a few days to several months.
The lending time of CCB loan depends on what kind of loan you apply for. If it is a small credit loan from CCB, it can be released as soon as possible. If you apply for car loans, mortgages and other loans, it usually takes at least half a month to lend money. If it takes a little longer, it will take more than a month to lend money.
The business that ordinary people borrow the longest time is mortgage, and banks have internal regulations on the approval time, but there are no detailed regulations on the lending time. Different banks, different types of mortgages applied for, and different regions will have different final lending time.
If you apply for a mortgage below the second line in CCB, the user will probably receive a loan notice within 30 working days after the bank approves it. If you apply for CCB mortgage in first-tier cities such as Beijing, Guangzhou and Shenzhen, it is very likely that you will have to wait for a certain period of time to receive the loan notice.
In addition, if you encounter an application for a second-hand house, some banks are really slow to lend money, and it may take several months. In addition to the current policy, the speed of bank lending is also related to the number of people waiting for loans, personal comprehensive qualifications, different regions and other factors.
Let's take a look at the general loan process: first, submit the application form, submit personal information and materials, and wait for the approval of CCB branch; After the approval of CCB Sub-branch, it shall be reported to the superior bank for approval, and after the approval of the superior bank, a loan contract shall be signed with the applicant.
Then the borrower goes through the insurance and guarantee procedures. If you want to apply for a second-hand housing loan, you need to go through the transfer procedures at the Housing Authority. After reviewing the materials submitted by the lender, the bank signs a loan contract; After approval, the bank will lend the money to the borrower's account according to the contract.
Finally, if you can't get a loan for a long time, you can consult your credit manager first to find out the reason. If it is not their own problem, then the credit manager can also help urge banks to lend as soon as possible.
How long can CCB's mortgage be approved?
As one of the larger banks in China, CCB has branches all over the country. Due to the financial problems of property buyers, most people will choose to borrow money from banks, and pay a monthly loan to mortgage to buy a house. How long will it take CCB to approve the mortgage? Then let's take a look!
Because each bank has different requirements for mortgage procedures, the natural process is also different. Under normal circumstances, it can be approved in three months. Among them, the approval time of CCB has not been clearly stipulated, which depends on the situation. If nothing happens, it can be approved within 30 days. If the approval is faster, it can be done in half a month, but if the bank is short of funds, the time for mortgage approval will be extended. However, after the approval is completed, banks can't immediately transfer money to the corresponding accounts, and it also involves the signing of loan contracts. Only after the contract is signed, the buyer must repay the loan on time, and the bank will also lend money according to the regulations.
If there is no news about the mortgage approval, that is, more than 90 days, you can directly call the customer service hotline of your bank for consultation. See the progress of mortgage approval. If there is no problem with the approval process, just wait for the bank to lend directly. If the approval is not passed, you can consult which link has problems and reapply.
In addition, the person who applies for a loan must be an adult and have a certain commitment. And personal credit is good, there is a certain economic income, with the ability to repay the mortgage every month. In addition, the corresponding housing sales contract should be provided, and the relevant information and documents required by the bank can be issued.
At the same time, before applying for a mortgage, you must make preparations. First, the mortgage applicant should prepare the required information in advance, carefully check each material to ensure the integrity of the information. Second, when the approval is passed, face-to-face approval should be conducted, and the attitude must be friendly and sincere, and every question should be answered well. The third is to avoid applying for a mortgage on holidays, which is time-consuming and the approval time will be longer. Fourth, when applying for a mortgage, it is best to provide more guarantees to shorten the time for mortgage approval.
I hope the above answers are helpful to you.
How long does it usually take for CCB commercial loans to be released?
Due to the differences in the process of different loan products after approval, such as whether the mortgage or guarantee is completed, the loan handling bank will inform the customer in time after the loan conditions are met, and ask the customer to maintain smooth communication. The specific lending time can be confirmed by contacting the handling bank. If you need the contact information of the loan handling bank, you can inquire through the "Personal Loan Network" function at the lower left of the "Deposits and Bank Cards" menu on the homepage of CCB official website, or follow the official WeChat account of "Customer Service of China Construction Bank" to enter the "Personal Loan Network".
(In case of business changes, please refer to the actual situation. )
How long can CCB's commercial loan be approved? Five factors affect the approval time!
Now, loan products have become an indispensable financial tool in people's life and entrepreneurial process. Some friends want to apply for CCB commercial loans, but I don't know how long it will take for CCB commercial loans to be approved. Here, I would like to introduce you to the next repayment of CCB's commercial loan.
Judging from the current situation, how long it will take for CCB's commercial loans to be approved depends on everyone's actual situation. Under successful circumstances, you can apply for a commercial loan from CCB in about 1 month. There are many factors that affect the approval time of CCB's commercial loans. For example:
1, borrower information
CCB's commercial loans have strict requirements on the borrower's application materials. If your application materials are missing or wrong, it will delay the approval time.
2. Lending policy
Sometimes, the approval speed of CCB commercial loans is affected by policies. If you just catch up with the tight loan policy after submitting the loan application, the approval time of CCB's commercial loan will be longer.
3. Number of applicants
Due to the limited personnel in charge of approving commercial loans, the approval speed will be much slower than usual at the peak of CCB's application for commercial loans.
4. Time of application
If you apply for a commercial loan from CCB before a major holiday, you may have to wait 1 week. In addition, there will be a backlog of loan applications after major holidays. Therefore, it often takes a long time to apply for CCB commercial loans before large holidays.
5. Financial status
According to the usual practice, the funds of CCB will be tight at the end of the year. Therefore, the approval time of CCB commercial loans will be extended.
The above answers the question of how long it takes to approve CCB's commercial loans, hoping to let everyone know the next payment of CCB's commercial loans.
How long does it take for CCB to approve the loan?
Under normal circumstances, it takes 15-20 working days to approve the housing loan of CCB. Mortgage approval process: after the approver exceeds the approval authority, it will be submitted to the credit approval authority of the superior bank for approval. After investigation, the situation was clearly understood in the Approval Form of Personal Housing Loan of China Construction Bank, and the review opinions were filled in. The loan approval form and approval materials were submitted to the person in charge of the credit department, who filled in the approval opinions on the Approval Form and submitted them to the governor in charge for approval.
Extended data
Verb (short for verb) handler
1. loan application: the borrower and the * * * person submit the loan application to the provident fund center with the required information;
2. Loan acceptance: the center will review the loan information within 15 working days, interview the borrower and confirm the loan;
3. Loan confirmation: the borrower and the authorized person of * * * sign the loan contract at the center, and the center issues the Notice of Transfer;
4. Pre-registration of mortgage: the borrower entrusts the provident fund center to handle the pre-registration of house mortgage;
5. Loan guarantee: the borrower and the borrower sign a loan guarantee contract;
6. Loan issuance: The borrower shall go through the loan transfer formalities at the center and the bank within the time specified in the transfer notice;
7. Loan repayment: The borrower shall deposit the loan principal and interest into the repayment account opened by the borrower in the entrusted bank on time before the 20th of each month from the month following the loan issuance;
8. Mortgage change: The borrower shall, within 3 months from the delivery date of the house agreed in the house purchase contract, handle the registration of house ownership certificate and mortgage change, and hand over the house ownership certificate to the seller, who will transfer it to the provident fund center.