2. Construction Bank The loan speed of CCB in Beijing, Shanghai and Guangzhou is much slower than that of CCB in other regions. Many CCB in Guangzhou even announced that they might suspend the second-hand housing loan business. Therefore, 202 1, the lending speed of CCB may be relatively slow, generally taking 30 working days.
3. After the Postal Savings Bank received this policy, it adjusted quickly. After March 20021year, the postal savings banks in most areas have resumed their normal mortgage business. Both the time and speed of loan approval are not much different from before, and it takes about 15-30 working days. The loan speed of China Agricultural Bank and China Agricultural Bank is still relatively slow, and China Agricultural Bank has implemented strict policies for first-and second-tier cities, which makes it more difficult for users to apply for loans. According to the feedback from relevant users, it generally takes about 1-2 months to apply for a mortgage at ABC.
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According to the actual situation, most property buyers received the notice of bank loans at around 3-6 pm, and a small number of house payments were paid at night. Usually around 3 pm, we get more loans. Because bank mortgage loan is not a very simple matter, many users think that only the bank's business personnel can input some card numbers to make money directly. But in fact, business personnel need to find many leaders to approve and sign before lending money, and at the same time, triple check the payment number, account number and other contents. After the complicated process is completed, business people can make money. So banks need to check the process in the morning and issue loans in the afternoon. But it usually doesn't exceed 6 pm, because banks usually stop a lot of business around 5: 30 pm. When users apply for mortgage loans, it usually takes about 7 working days to go through the approval process. After approval, it will take about 15-30 working days to issue the loan. After the user receives the loan notice, it takes about 1-3 working days to receive the loan from the bank.
② Users can urge the loan manager, but not too often. Before reviewing the loan, the loan manager needs to submit complete information, including not only information, but also the developer's purchase contract. Some developers' staff did not submit it to the bank in time, which may also lead to a slow process. Users can ask whether the data is ready and whether to add it. In the loan review stage, the bank personnel specially evaluate the loan, and the loan manager can't interfere with the results. It is not recommended to urge repeatedly, and the other party who needs to explain and supplement will take the initiative to contact.