How long does it take for Agricultural Bank of China to apply for housing loan with e-loan?

1. How long does it take for Agricultural Bank of China to apply for housing loan with e-loan?

Normal approval takes 14 working days, including 1 day for application, about 3 days for collateral evaluation, about 5 days for review, and about 5 days for signing contracts.

Whether it is easy to pass is mainly related to the real estate as collateral, the operation and credit status of the enterprise, including the credit status of the business owner himself.

Second, how long does it usually take for real estate mortgage loans to come down?

Generally, it takes about/kloc-0 to 3 months to handle a mortgage loan, and the process of handling a mortgage loan is more troublesome, because the amount of mortgage loan usually involves a large amount, and the lending institution takes a long time to review the house and the borrower, so it takes more time. Have you learned the precautions for sharing five loans with dry goods? 1, the mobile phone number needs attention! The mobile phone number must be in real-name registration system. The mobile phone number must be used for more than half a year. It is impossible to owe the phone bills to the three major operators in the past. The use time of mobile phone number must be normal. 2. The authenticity of the loan information! To apply for personal consumption loans, borrowers need to provide authentic documents and materials required by various lending institutions, such as the contact information of various relatives required by most lending institutions. This information should not be tampered with. According to the statistics of most institutions, the suspicion of authenticity is a major reason for refusing loans! 3. It's important to call back! Anyone who has applied for a credit card should know that after you submit the application materials, the bank will call back, mainly to confirm the authenticity of the materials. In fact, in the process of applying for a loan, there is also a telephone call back, but many people ignore it. I want to remind you not to call back. Often such a small detail is the real reason for your loan failure! The reason why the lending institution calls back is to confirm the authenticity of the information submitted by the borrower. If the information obtained by the bank through telephone call-back is inconsistent with the information provided by the borrower, then the bank will definitely question the borrower's character and situation, which will make your loan road extremely difficult, or it will not be approved at all. 4. Cherish personal credit! With the improvement of personal credit information system, its data is no longer limited to traditional business areas such as credit records, and its attention gradually turns to business areas that provide comprehensive social data services. Therefore, at present, more and more lending institutions compare the "credit" of loan applicants through various credit reporting agencies. Once it is included in the "credit blacklist", it is difficult to eliminate the stain. Please cherish your personal credit. 5. Job-related information requirements, it is very difficult to apply for some high-risk industries, so we can only think of other ways. These are high-risk industries: coal mine, construction industry, dangerous chemicals industry, aircrew and so on. It is best to fill in the work for more than half a year. Wage flow, work certificate, business card and work badge are all work-related materials, and submitting them will definitely help. Mastering the above five dry goods can improve the success rate of loans. Have you learned? In addition, everyone must choose a formal lending institution when choosing a lending institution.

3. How long does it usually take to apply for a real estate mortgage loan?

It takes about two or three days for financial institutions and one or two months for banks. Non-bank financial institutions; The efficiency of non-bank financial institutions is relatively high. When applying for housing mortgage loan, the borrower is expected to take only two days, and many people will go to non-bank financial institutions to apply for qualification. The application for housing loan approval needs the assistance of 15 company, and the approval process will be accelerated. In this regard, the bank's lending time is not fixed. The lending time of real estate mortgage loan is different in different situations. Usually, the loan time of real estate mortgage is about one to three months.

Extended information:

1. What are the requirements for real estate mortgage loan: legal identity is required; Need to have a stable income, to repay the loan, to have a legal and effective purchase contract; For new purchases, there must be a legal and effective purchase contract and a down payment of not less than 30% of the total price of the purchased house; The purchased loan has been repaid over 1 year, accounting for 60% of the house value, and the house used as mortgage has obtained the house ownership certificate, and the age of the house is less than 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the bank; The mortgaged property is your house; You need to have a regular job to repay your loan; Find more commercial banks like China Merchants Bank and China Development Bank, which may lower your income requirements. The loan amount is carried out by the appraisal company designated by the bank appraisal bank, and the courses of ancillary facilities and residential projects will be lower than the market price of the house because of the silver

2. Mortgage loan refers to the loan provided by the loan bank to obtain the lien and pledge right of the borrower's property according to law through certain vouchers and other documents as collateral to ensure the safety of the loan. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.

Fourth, how long will it take to use the house as a mortgage?

It usually takes 22-25 working days to lend money.

Process of handling real estate mortgage loan:

1. The borrower opens a current deposit account in the bank;

2. Prepare information about loan requirements;

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

4. The bank is in front;

5. Bank filing and approval;

6. Approve the next batch of loan letters;

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

8. About the number of branches;

9. Bank loans;