Under normal circumstances, after receiving the loan application, the bank will arrange relevant staff to inquire about the credit record. The whole process takes about 3 days. After receiving the detailed information provided by us, the bank will arrange staff to investigate the authenticity of our personal data, and also conduct a compliance investigation on the house we want to buy, and finally issue an audit report. These things will take about 10- 15 working days. After that, it takes about one day to go to the bank to sign a loan contract.
We go to the bank to submit the relevant certificates issued by the Housing Authority Trading Center, and the bank will issue loans within 3 working days. Generally speaking, it takes about 1 month from when we apply for a loan from the bank to when the bank goes through the whole approval process and issues the loan.
If you want to apply for a business loan, you usually need to meet the following conditions:
1. Age 18 to 65 years old, a natural person with full capacity for civil conduct.
2. More than 30% of the total amount of the purchased house is used as the down payment (the down payment ratio is implemented according to the standards of the first and second sets, and generally calculated according to the down payment ratio of 30% of the first suite).
3. Have a stable job, and can provide proof of income stamped by the work unit and the bank's running water in the past six months (the monthly income is more than twice the monthly payment).
4. The credit is good, and the bank will refuse the loan after three consecutive overdue times and six times.
The above is the introduction of the next commercial loan, I hope it will help you.