Usually, after the loan of ABC is approved, the bank will inform the loan applicant to go to the bank to sign a loan contract, and the bank will only lend money if the loan contract is signed. To apply for a mortgage loan, you need to go through the relevant mortgage procedures after signing the loan contract. After the general loan is approved, it takes 1-2 weeks to complete the loan.

How long does it usually take for agricultural bank loans to come down?

Question 1: How long will it take for the ABC loan to come down? Because there are many bidding links, the lending time is determined by many factors. If a link in the middle runs aground or an accident occurs, the lending time will be delayed and the bank cannot guarantee the specific lending time.

First of all, in the bank loan approval process, it takes about 3 to 5 working days to sign a loan contract. If you want to apply for a mortgage loan, you have to apply for mortgage registration, which takes a long time.

At present, the competition among banks is fierce, which is also the reason for the accelerated loan application. Especially in relatively developed cities, it is faster to apply for bank loans.

If the materials are complete and there are no accidents, the bank loan will be released in a month or so. If you apply for personal credit loans or short-term loans.

Question 2: How long does it usually take for ABC to apply for real estate mortgage loan? Whether it is handled at the Agricultural Bank of China or other banks, the audit time takes about 22-25 working days, and the specific audit time is subject to the lending time.

Real estate mortgage loan conditions:

Natural person with age 18-65;

Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;

There is no illegal act;

Good credit information and bad credit records;

Being able to provide effective pledge guarantee of rights recognized by banks or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

The property right of the house is clear and meets the listing and trading conditions stipulated by the state;

Real estate can enter the real estate market without any other mortgage;

The sum of housing age and loan application period cannot exceed 40 years;

Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

Other conditions stipulated by the bank.

Preparation data of real estate mortgage loan:

Original and photocopy of the ID card of the borrower and spouse;

Original and photocopy of the household registration book of the borrower's husband and wife;

Proof of marital status;

Original purchase agreement;

Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of income;

Bank flowing water;

Certificate of academic qualifications;

Bank deposit certificate;

Other financial certificates;

The developer's collection account number;

Other materials specified by the bank.

Real estate mortgage loan process:

Choose real estate;

Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly as stipulated in the contract.

Question 3:20 16 how long will it take for ABC to get the mortgage? It generally takes about 45 working days from application to loan, and the specific time is subject to bank loan.

The mortgage application process is as follows:

1, preparation materials:

ID card (original), household registration book (original), marriage certificate (original) (single person does not need to prepare), bank flow in the past six months, social security card (which can better help the lender to obtain loans), and proof of work income (bank-specified format, company official seal).

2. Buy real estate:

If the property supports bank mortgage business, the sales office will generally have bank staff to handle or contact the developer to apply for loan business and submit information.

3. Pending preliminary review:

The general sales office will have a special person in charge to conduct a preliminary review of the materials to verify whether they are comprehensive and conform to the regulations, and the lender can cooperate with the preparation of the materials or confirm them.

4. Waiting for review:

After the bank receives the application from the buyers, it will arrange the Commissioner to conduct telephone audit and investigate the real situation.

5. Bank results:

After the approval of the bank is clear, the lender passes the approval, and the bank issues the mortgage loan agreement and other related documents. If it fails to pass the approval, the loan will fail. You can apply again after checking the reason and solving the problem.

6. Sign a contract:

After obtaining the consent of the bank, the lender will sign a house purchase contract with the developer with relevant information, and the developer needs to prepare relevant documents (real estate license, etc.). ) and hand it over to the bank for safekeeping.

7. Loan and account opening repayment:

After verification, the bank will transfer the loan amount to the cooperative account with the developer, and designate the lender to open a special repayment account, sign an authorization agreement and make repayment.

Note: If the property buyers are self-employed, the work income certificate will be changed to business license.

Question 4: How long does it take to approve the mortgage loan at ABC? From application to loan, it involves the work of buyers and sellers, housing management bureau and other departments. Therefore, there is no fixed time for the specific settlement time in various places. According to the current situation, if buyers and sellers actively cooperate, it usually takes about 20 working days.

Buying a house by loan takes about 20 working days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Submit the loan application and sign the loan contract: 1 working day.

3. Property appraisal and third-party guarantee: 1-2 working days.

4. Bank approval: 5 working days.

5. Down payment for house transfer: 1 working day.

6. Pay taxes and get a new real estate license: 4 working days.

7. It takes 3 working days for the bank to receive the loan contract and mortgage registration.

8. Bank loan to the seller, property delivery and final payment: 3-5 working days.

Question 5: What is the longest time for agricultural bank loan approval? 1. Hello, there is no slowest, only slower; 2. When the funds are plentiful, the bank will generally give you a good opportunity, whether you can borrow or not; However, it is unusual for ABC not to send you a letter because your conditions meet the loan application, but they are not well-off at present and need to bring projects and people who can bring more profits; 3. Or you should walk around and sort out the relationship; It's no good spending some money, change banks; There is no longest time to drag on like this; 4. Tell a story of my friend. I went to the bank to get a mortgage before. The bank says you buy insurance here or something, and your friend is a semi-expert. Look at that insurance. Obviously, it is not cost-effective. Yu Ding said he bought insurance outside; 6. Later, the trustee spent money to find out. I didn't buy this insurance. You say no, the bank can't say that you won't give you a loan if you don't buy insurance from me, so you can only treat it coldly; 7. Finally, my friend spent double insurance money and got the loan within one week. Of course, this does not mean that you are stuck in insurance. At present, banks are short of funds. It is a reality that the mortgage is not optimistic. It is suggested to wait and see for a while, or spend some money to burn incense!

Question 6: How long does it take for ABC to approve the housing loan? Generally, it takes 40-50 working days to lend money.

The basic process of mortgage loan is as follows:

On-site inspection:

Loan officers, intermediaries, appraisers, buyers and sellers go to the housing site to apply for mortgage loans to conduct on-site investigation of the housing;

Property right verification;

The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;

Sign the contract:

The bank carefully checks and verifies the original information of customers, identifies the authenticity of all signatories, supervises the signature of customers, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

Fill in the contract:

The bank arranges the information according to the relevant information provided by the customer and fills in the contract;

Payment obligation:

After the bank's fee is pre-approved, it will inform the customer to pay;

Transfer of property rights:

With the help of the Housing Authority, the buyer and the seller go through the formalities of property right transfer; The Lender prepares relevant materials to go through the mortgage formalities at the bank;

Bank loan.

Question 7: How long does it take to approve the loan from ABC and how long can it be released? 1, hello, there is no slowest, only slower;

2. When the funds are plentiful, the bank will generally give you a good opportunity, whether you can borrow or not; However, it is unusual for ABC not to send you a letter because your conditions meet the loan application, but they are not well-off at present and need to bring projects and people who can bring more profits;

3. Or you should walk around and sort out the relationship; It's no good spending some money, change banks; There is no longest time to drag on like this;

4. Tell a story of my friend. I went to the bank to get a mortgage before. The bank says you buy insurance here or something, and your friend is a semi-expert. Look at that insurance. Obviously not cost-effective, so he said that he bought insurance outside;

The next thing is that the loan should follow the normal channels, but it is delayed again and again. Ask someone's bank if you are eligible for a loan; Why? It depends on the above approval.

6. Later, the trustee spent money to find out. I didn't buy this insurance. You say no, the bank can't say that you won't give you a loan if you don't buy insurance from me, so you can only treat it coldly;

7. Finally, my friend spent double insurance money and got the loan within one week.

Question 8: How long does it usually take for ABC to grant loans? In different banks, the lending speed is different.

If you apply for a mortgage loan at ABC, it should take about one month, but the time will be different for different loan types and different people.

Question 9: How long does it usually take for ABC's mortgage to come down? You have not been cheated. It's because ABC's lending time has been extended now. Nowadays, many banks are under increasing pressure to lend, and many customers waiting for loans are overstocked in banks. Now banks and finance bureaus are tightening money, raising interest rates, and it is already very good to be able to lend. So, we can only wait now!

How long does it take for ABC to approve the mortgage?

Generally speaking, it takes about a month for the Agricultural Bank to approve the mortgage. The specific process is as follows:

1. It takes one day for the borrower to submit the application;

2. In seven days, China Agricultural Bank investigated and approved the application materials;

3. After approval, it takes five days to sign a loan contract;

4. It takes five days for the first-hand housing loan to handle the real estate license and the second-hand housing loan to handle the property right transfer;

5. It takes five days to apply for a mortgage;

Finally, the bank issued the loan two days later.

How long does it take for ABC to approve the mortgage?

1. It takes 1 day to submit a loan application.

2. It takes 7 days for ABC to approve.

3. It takes 5 days to sign the loan contract after approval.

4. It takes 5 days for the first-hand housing loan to handle the real estate license and the second-hand housing loan to handle the property transfer.

It takes 5 days to apply for a mortgage.

6. It takes two days for the bank to issue loans.