First, whether it is loan approval or lending, the speed is indeed faster than that in September and 10, but it is still not as fast as that in the first half of the year. "Not only Beijing, recently, many cities include Shanghai, Shenzhen, Guangzhou, Xi 'an and so on. I've heard about the relaxation of mortgage.
You can approve the loan as soon as possible! I learned from another large commercial bank in Beijing that the bank can complete the loan approval within one week if the materials for applying for mortgage loans are complete after the buyers sign face to face. Take the second-hand house of ordinary residence that is not the first set as an example. If the information is complete, the bank can complete the examination and approval within 1 working day.
Second, of course, the speed of bank lending is not accelerating in all regions. "My loan has been approved for more than two months, and I am still waiting for bank loans. The relaxation of credit policy is to maintain the stability of the real estate market, not to encourage real estate speculation. For local governments, with the marginal warming of credit policy, we should be more alert to possible real estate speculation. Combined with the current real estate market environment, there is still room for fine-tuning the mortgage level in various places. For cities, the trend of property market differentiation will continue.
Third, the bank loan application was successful and there was no loan for four months. It is necessary to distinguish several situations:
1. If it is a personal loan, know exactly that the loan has been approved. Four months later, the loan has not been released, and there is basically no hope. Although the state does not clearly stipulate the time when loans have been approved, banks do. From loan approval to lending, it takes 30 days, 45 days and 90 days, but it won't take long. If you don't lend money after this time, you must re-investigate and re-approve.
One of the reasons for this requirement is that the borrower is required to have a good credit record and provide the latest financial data (monthly or quarterly) and business information before the loan is approved or issued. If the interval is too long, the reference value of the application materials inquired before will be of little value.
There are many reasons for not granting loans after approval, such as the superior bank changing its credit policy, the bank's operating indicators exceeding the requirements of the regulatory authorities or the superior bank, and no loan scale.
2. Successful loan application and loan approval are completely different. If it is only an application, the bank has no feedback results and may not approve it at all, but it is still in the stage of investigation, review and approval. Similar to the previous article, the borrower is required to have a good credit record before approving the loan. If the application is not approved for four months, the borrower will be required to supplement the latest financial data and business information before approval.
Under normal circumstances, regardless of whether the loan can be approved or not, the account manager will give timely feedback to the borrower, either supplementing the information, returning it, or cooperating with the mortgage registration.
3. If it is a corporate customer loan, the amount of application is relatively large, and it is applied in a state-owned bank, then it is normal to have no news for four months, so there is no need to wait.