It usually takes between 15 and 3 working days.

The time flow is as follows:

1. It takes 4-5 days from the preparation of the data submission to the approval;

2. It takes 2-5 days to obtain the certificate of other rights after the mortgage is approved (the time of housing management bureaus varies from place to place, subject to the local conditions), and the other rights will be sent to the accountant after being obtained;

Lend money after 3, 2-3 days (lenders need to queue up more, and the time is uncertain).

answer expansion

1. The specific provisions of China (People's) Construction Bank on adjusting deposit and loan interest rates are as follows

1. For capital construction loans in fixed assets loans, interest will be settled on an annual basis, excluding compound interest; For technical transformation loans, interest will still be settled quarterly, and for the interest that cannot be paid quarterly, compound interest will be calculated. The capital construction loans in the special loans of the People's Bank of China shall bear interest on an annual basis, excluding compound interest; The technical transformation loan shall be settled quarterly, and the interest that cannot be paid quarterly shall be calculated with compound interest.

2. differential interest rates will continue to be applied to capital construction bank loans in thirteen industries, including energy, transportation, communication and raw material industries, as well as agriculture and salt industry, as specified in the relevant provisions on adjusting differential interest rates for capital construction bank loans in some industries (document No.383 [1989] of the State Planning Commission). See the attached table for details. For loans with differential interest rates, annual interest settlement is also implemented, excluding compound interest; For the interest that has been posted, compound interest will no longer be counted.

3. The grain, cotton and oil loans (from acquisition loans to inventory loans, regardless of parity or negotiation) shall all be subject to the same preferential loan interest rate, namely, the annual interest rate is 8.28%. The loans occupied by the grain financial ledger will not raise interest rates (except for misappropriation). Grain loans do not raise interest rates within a reasonable inventory period. The reasonable storage period shall be determined by the provincial branch of the People's Bank of China in consultation with the food department. Grain, cotton and oil loans shall be subsidized by the People's Bank of China at an annual interest rate spread of .72%, and the subsidy method shall remain unchanged. The subsidy time shall be implemented from September 21st, 199 (the same below).

4. The loan occupied by the foreign trade enterprise's export deficit is subject to the annual interest rate of 8.28% for the foreign trade export product acquisition loan, and no interest rate increase is allowed. The People's Bank of China will subsidize the purchase loans of foreign trade export products at an annual interest rate spread of .72, and the subsidy method will remain unchanged.

5. The People's Bank of China will subsidize part of the reserved commodity loans of the original commercial and supply and marketing cooperatives' primary and secondary wholesale stations at an annual interest rate spread of .72, and the subsidy method will remain unchanged.

the large negotiable certificate of deposit interest rates of 6, 1 month and 9 months can be floated upward on the basis of 3.24% and 7.56% per annum.

7. The annual interest rate of the special deposits opened by the People's Bank of China to rural credit cooperatives (excluding other financial institutions) has been adjusted from 13.5% for one year and 1.8% for half a year to 11.7% for one year and 9.36% for half a year, and interest will be calculated by stages from the date of this interest rate adjustment.

8. Gold equipment loans issued by Industrial and Commercial Bank of China and China Construction Bank before 1987 were subsidized by the People's Bank of China at an annual interest rate spread of 1.8%.

9. Interest shall be calculated in installments for demand deposits from the date of interest rate adjustment. The interest-bearing methods for time savings deposits of urban and rural residents, time deposits of enterprises, institutions, government organizations, time deposits of various foundations, family property insurance, refundable life insurance, retirement pension fund insurance provided by social labor insurance institutions and unemployment insurance for employees, which are withdrawn in advance, are still implemented according to the provisions of documents No.65 and No.83 of the People's Bank of China [199] and No.18 of Yinchuan.

1. The loan interest rate of individual workers and merchants shall be increased by 2% according to the adjusted working capital loan interest rate.

11. The three-month and six-month term interest rates of working capital loans should be used within the scope of temporary working capital loans.

12. The adjustment range of deposit and loan interest rates of specialized banks by the People's Bank of China includes non-bank financial institutions.

for information, please refer to

New Loan Rules of Baidu Encyclopedia.