In general, the information sent to the superior bank is scanned by computer, which usually takes three working days to be signed by the managers and leaders of the subordinate branches.
I applied for a mortgage in ICBC, and the bank has called it back. How soon can I get the results?
1. ICBC's mortgage lending time is generally about one week to one month, from submitting a loan application to lending.
2 mainly depends on whether the documents submitted by the parties are complete and meet the requirements of the bank. Bank loans range from 65,438+0 weeks to 65,438+0-3 months. The general process is as follows: the approval document is passed-the developer is notified for filing-the developer submits the filing form (seal) to the bank-the final review of the bank-lending.
Three. Loan procedure
1. Go to the bank for information; Apply for individual housing loan with all relevant materials; 2. Accept the bank's review and determine the loan amount; 3. Deal with loan contracts, and banks handle insurance; 4. Handling property mortgage registration and notarization; 5. For bank loans, the borrower repays them on a monthly basis and cancels the registration after paying the principal and interest.
Extended data
Mortgage loan, also known as house mortgage loan. Mortgage means that the buyer fills in an application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to issue loans to the buyer after passing the examination, and handle real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
(Refer to Baidu Encyclopedia Mortgage)
3. How many days will it take me to recover my loan from China Industrial and Commercial Bank?
Generally speaking, I will visit you in a week or so, and it will be different in different regions. After the telephone call back is passed, it will be approved in about 2 weeks, depending on the time of bank lending. Different banks have different regulations and different approval processes, so the lending speed will be different. The specific circumstances require the lender to comply with the relevant regulations of the bank. Under normal circumstances, it usually takes a borrower half a month to apply for a loan when the relevant loan conditions are met and the procedures are complete. However, because it is more troublesome to apply for loans, such as mortgage, and the property needs to be mortgaged to the bank, it is normal to complete it in one month.
4. How many days will it take me to recover my loan from China Industrial and Commercial Bank?
In general, the information sent to the superior bank is scanned by computer, which usually takes three working days to be signed by the managers and leaders of the subordinate branches.