commercial loan

Generally speaking, it takes one to three months to lend money. Because everyone's conditions are different, plus the approval time of various materials, everyone's time will be different. The term of commercial loans is mainly related to the applicant's income, economic level, loan types and loan products.

Commercial loans:

Commercial loans:

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate.

Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral. Mortgage loan is a kind of commercial loan. Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller and the loan bank agreed that the real estate guarantee enterprise would provide guarantee to the bank for the residents' house purchase loan.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.

Provident fund loan:

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. Using the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to pay housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient.

How long does it take to approve the loan?

There is no uniform regulation on the time of loan release after loan approval, and the loan can be released within three days at the earliest. If the bank loan amount is not enough, it is also possible to wait for one month. If the user waits for a long time, he can call the bank or ask the manager who handles the loan business, and usually he can get an accurate answer.

In fact, different loan types have different lending time; For example, the loan speed is generally faster. The speed of mortgage lending is generally slow; After all, the loan quotas of the two are generally quite different; Banks will be more cautious when lending.

It is best for users to consult the bank in advance before handling the loan to find out what conditions are needed for the loan, how much they can borrow and whether they can meet their personal needs. It is best to consult several companies before handling and find the one that suits you best.

After the loan, the user must repay the loan in time according to the contract, and it is best not to be overdue during the repayment process. If it is overdue for many times, the bank has the right to ask the borrower to pay off all the debts in advance; The overdue records of users will be uploaded to the credit information center, and all kinds of financial services will be affected in the future. When handling a loan, you should choose the repayment time according to your actual situation. Strong ability can shorten the repayment time.

How long does it usually take for banks to lend money?

Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

Generally speaking, bank loans last for 7- 15 days, provided that customers have good qualifications and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to provide a driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

1. Loans to banks are generally divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

1) has something to do with the bank. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

2) Have a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

3) Let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

How long does it take for large enterprises to lend money?

Loans for large enterprises will generally arrive within 15 working days, and will not exceed 25 days at the latest. However, it should be noted that when the loan has been approved, banks will be more cautious in approving large loans of enterprises than ordinary people and will examine more information. In addition to business license, tax registration, etc. We will also check the operation of public bills and payroll bills. In general, it takes about 15 working days for banks to approve loan applications for corporate loans.

1, a large loan is a loan exceeding the agreed limit. Its standards are formulated by the Federal National Mortgage Association (Fannie Mae) and the Federal Housing Mortgage Corporation (Freddie Mac). For loan providers, large loans are risky, so their interest rates are also high. These loans have a loan balance limit. According to the average house price published by the Federal Housing Finance Agency (including new houses and old houses), the maximum loan amount for a family of one to four varies from year to year. These loan limits are called uniform limits.

2. Pipeline risk is the risk related to the issuance of housing mortgage loans. Including price risk and transaction interruption risk. The former means that if the mortgage interest rate in the market rises, it will have a negative impact on the value of the ongoing loans. The latter means that the applicant or anyone who receives the letter of commitment finally decides not to complete the transaction, that is, not to borrow money from the sponsor of the mortgage loan to buy a house.

3. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

principle

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

How long does it usually take for an enterprise to apply for a loan from a bank?

The fastest week (the enterprise is better) and the slowest month. There is no fixed time, it depends on whether the information you provide is complete and your credit rating, and then the loan amount. If it exceeds the authority of applying for a bank, it needs to be reported step by step. If banks at all levels have insufficient information during the examination and approval process, they need to supplement it. If you have different opinions or questions at the loan review meeting, you need to explain after the meeting, and it will take a long time to attend the next meeting. But banks at all levels have weekly loan review meetings.

It still depends on your enterprise strength, guarantee method, loan amount and mortgage time, because it involves formalities. If the loan amount exceeds the authority of the approving bank, it will take a long time to report to the superior bank for approval. Under normal circumstances, the fastest loan I can get is one week (the enterprise is better) and the slowest is more than one month.

Extended data:

What is the loan process?

Personal housing provident fund loan refers to the loan with applicable housing provident fund loan interest rate for the purchase, construction, renovation and overhaul of owner-occupied housing (hereinafter referred to as housing provident fund loan).

Objects and conditions of provident fund loans:

Before the borrower applies for a loan, the individual and his subordinate units have paid the housing provident fund in full and on time, which is in line with the local provident fund loan conditions; Employees with full capacity for civil conduct can apply for housing provident fund loans when purchasing, building, renovating or overhauling their own houses.

Amount, term and interest rate of provident fund loans:

1. Loan amount: The loan amount of the borrower shall not be higher than 70% of the total price of the purchased house; The borrower's loan amount is not higher than the maximum loan amount stipulated by the management center.

2. Loan term: The longest loan term is 30 years.

3. Interest rate: At present, the interest rate of provident fund loans is 4% for five years or less and 4.5% for five to thirty years. During the loan period, if the legal interest rate is adjusted and the loan term is one year, the interest shall be calculated according to the interest rate agreed in the contract; If the loan term exceeds one year, it will be implemented at the new interest rate of 1 from the following year.

Provident fund loan process:

1. The borrower goes to the management center to collect and fill in the Application Form for Personal Housing Loan of Housing Provident Fund and apply to the management center together with relevant supporting materials.

2. The management center examines and evaluates the authenticity and legality of the documents submitted by the borrower, inquires about the credit status of the borrower (including the spouse) by interviewing the borrower, consulting the personal credit database approved by the People's Bank of China and the credit department, and reviews the qualifications and credit standing of the borrower.

3. If the loan is approved, the borrower shall sign a loan contract and related contracts or agreements with the management center or the loan handling agency entrusted by the management center.

4. If the house purchase guarantee is adopted, it shall go through the guarantee formalities with the guarantee company; if the house is mortgaged or pledged, it shall go through the mortgage registration formalities or freeze the funds.

5. The entrusted bank shall, in accordance with the entrustment requirements of the management center, handle the loan issuance procedures and transfer the loan funds into the designated bank account.

Second, commercial loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate.

Commercial loan application conditions:

1. To apply for a commercial loan, there is an upper age limit for the applicant, who must be an adult over 18 years old, male under 60 years old and female under 55 years old. The age must be before retirement, and the post-retirement loan age must not exceed 5 years; There must be proof of income and bank flow;

2. Have legal residence status;

3. Have a stable occupation and income;

4. Have the ability to repay the loan principal and interest on schedule;

5. There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions for their guarantee;

6. There is a contract or agreement for the purchase of housing;

7. If there is a deposit not less than the down payment required for house purchase, and the advance payment for house purchase has been paid to the selling unit, the original and photocopy of the payment receipt shall be provided.

Commercial loan processing flow:

1. The borrower signs a house purchase contract with the seller and pays the down payment at the same time;

2. Submit relevant materials to the law firm for review;

3. After receiving the Legal Opinion issued by the law firm, the bank signs a loan contract, mortgage contract and guarantee contract with the purchaser;

4. According to relevant information, handle mortgage registration, home insurance, contract notarization and other procedures, and issue loans.

Third, portfolio loans.

Portfolio loan refers to a borrower who meets the conditions of personal housing commercial loan. While handling personal housing commercial loan, he can also apply for personal housing provident fund loan. The borrower can use the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral and apply for personal housing provident fund loan and personal housing commercial loan from the bank at the same time.

To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank. After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.

Corporate tax loan lending time

If the enterprise's bank is directly the bank applying for a loan, it can operate directly, and usually it can lend money on the same day. If the enterprise does not have an account bank that wants to apply for a loan, it can only pre-examine the quota or lead the bank to open an account, because the application standards of each bank are not uniform.

Enterprise requirements:

1, business license registered and actually operated 1-2 years or more;

2. The total tax (such as value-added tax and income tax) paid by the enterprise for one year in a row reaches 1 000 or more;

3. There has been no change of enterprise legal person in the past six months;

4. Enterprises must have actual business premises.

Introduction:

Generally, the bank tax easy loan can be released within 10 working days after approval, and it will not exceed 15 working days at the latest. Generally, it takes 3 working days from the submission of the application to the review, depending on the applicant's personal credit information and application materials. Generally, the application qualification is good, and the review time with complete information will be faster. The faster the review, the faster the loan.

This concludes the introduction of how long corporate loans can be lent and how long corporate loans can be lent. I wonder if you have found the information you need?