Usually the deduction time is around 8: 00 am and 5: 00 pm on the repayment date; After the last deduction time (5 pm), it is overdue repayment;
Lending is also called "loan". It is a lending activity that banks or other credit institutions provide monetary funds to people in need according to certain interest rates and repayment conditions. The People's Construction Bank of China provides capital construction loans, technical transformation loans, interest subsidies, overdrafts and other forms of bank loan funds or currency to capital construction enterprises.
Lending refers to lending that relies entirely on the borrower's credit without providing collateral. Credit lending can enable borrowers to obtain additional capital and promote the expansion of production and circulation scale, so credit lending is a kind of capital lending. This is a form of bank loan. The risk of issuing credit loans is generally greater than other loans, so the interest rate is higher and many conditions are often attached.
How long does it take for the bank to lend money?
First, the lender prepares materials, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to hear the driving license.
Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.
Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.
The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you.
Generally speaking, it takes a long time for a bank loan to be approved and refinanced, at least half a month. Slow is slow, but when we apply for a loan, we mainly consider the interest problem and the reliability of the lending institution. Therefore, when lending, we should fully consider it, and fast lending is not necessarily good.