1. To buy a house in a bank and apply for a mortgage, it usually takes 1-2 days to get a loan if all the information is complete and approved. Generally, it will not exceed 15 days, depending on the efficiency of the handling bank. If it is not the end of the year, the loan will be released faster.

2. It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage; Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete. If the time is too long, the customer had better consult the bank, and the bank will tell you if there is any problem.

Second, is the loan approval strict?

1. The loan information provided by the borrower is incomplete or untrue, and many banks have strict requirements on the information needed for loans, such as income certificates and personal identification certificates. If you cheat in order to apply for a loan, you will be blacklisted by the bank and you will definitely not be able to approve the loan.

2. The age of the lender does not meet the standard, and the loan age is generally required to be 18-65 years old. /kloc-under the age of 0/8, without full capacity for civil conduct, and cannot directly apply for a loan in his own name; And over 65 years old (generally speaking, over 50 years old, banks are likely to refuse. ), the bank should consider the applicant's physical health, so those who are not in this age group will be rejected.

After reading the relevant introduction above, you should have a certain understanding of how long it takes to approve bank loans! Generally speaking, for everyone, there are still many conditions for the approval of bank loans. When applying for a loan, you must know clearly in advance and make clear the process and conditions of the loan. If the relevant information is complete, the loan will be processed soon, not more than half a month.

2.202 1 How long does it take to approve the loan in Chengdu?

202 1 Chengdu loan approval usually takes 3 to 5 working days, and it takes about 2 weeks if the loan approval is successful. If it is a Ping An loan, the loan will be approved as soon as possible.

3. How long does it take to get a mortgage loan in Chengdu?

The lending speed of Chengdu real estate mortgage loan is generally 12- 15 days. In case of special circumstances, the loan can be released within 7- 10 days at the earliest:

Because after the loan procedures are completed, leaders at all levels, material leaders, etc. It needs to be approved and signed, and it takes time to turn around several times.

General loan needs 12- 15 days, and the fastest is 7 days.

Process of handling real estate mortgage loan:

The borrower opens a current deposit account in the bank;

2. Prepare loan demand information;

3. Go to the designated institution of the bank to evaluate the real estate;

4. Frontier banks;

5. Bank reporting and approval;

6. Approve the next loan approval letter;

7. Go to the local construction committee for mortgage registration, and the construction committee will issue his right certificate;

8. The approximate amount of the branch;

9. Bank loans;

10. Post-lending review of banks;

4. How long does it take to find a second-hand housing loan in Chengdu from face-to-face signing to approval?

Hello, China Postal Savings Bank has second-hand housing loan business; The main guarantee is the house purchased by the loan applicant, and the age of the house does not exceed the fixed number of years stipulated by the local postal savings bank, and the house can be registered in the local housing management department; Specific needs to be verified with the counter credit personnel of the local Postal Savings Bank; I hope my answer is helpful to you.