ICBC's mortgage can be approved within one week to one month after the phone call.
Mainly depends on whether the information submitted by the parties is complete and meets the requirements of the bank. Bank loans range from 1 considerate 1-3 months.
A phone call back, how long will it take ICBC's mortgage to be approved?
Approval is usually completed within 3 working days after telephone call back. After the approval, the bank will call you and tell you when to go to the Housing Authority for mortgage registration. After the mortgage is completed, the bank will issue the loan to your receipt card within 2 working days.
Legal basis:
Article 5 of the "Administrative Examination and Approval Service Return Visit System (Provisional)" requires staff to fill in the return visit registration form, make a record of the return visit, and file it in time according to regulations; Feedback the problems found in the return visit to the relevant units in time to improve the work and service. In case of special circumstances, it is necessary to report to the leaders in charge in time and submit them to the office for study and solution when necessary; If the problems found are not reported to cause adverse effects, informed criticism shall investigate the responsibility of the responsible person according to relevant regulations; In case of the applicant's complaint during the return visit, the staff shall timely register and handle the relevant information of the applicant's complaint, and do a good job in explaining the applicant. The supervision department shall give timely feedback to the applicant in a certain way on the handling of the opinions and suggestions put forward by the applicant during the return visit; The return visit is linked to the assessment. The problems and deficiencies reflected in the return visit, after investigation and verification, belong to the responsibility of the staff of departments and units, and are not rectified in time as required, and will be informed criticism, and will be used as a reference for annual assessment; Serious violations found in the return visit will be dealt with in accordance with relevant regulations; Documents, pictures and materials related to the return visit shall be numbered, classified, kept and filed by the supervision department.
Is it illegal for ICBC to make online loans without telephone audit?
Not exactly.
It depends on how much you borrow. If the mortgage rate does not exceed 50% and the loan amount does not exceed 500,000, you can verify it without telephone.
If you can provide enough proof of assets to prove that you have the ability to repay the loan, you may not need to audit by phone.
This is the end of the introduction to the telephone audit of ICBC loans. I wonder if you found the information you need from it?