How to apply for a bank loan? How long will it take to approve?

1. Submit your own credit certificate and income certificate; 2. Banks review individual repayment ability; 3. After passing the examination, the bank notifies to sign the loan contract; 4. Choose the loan type according to your ability, and the bank will give you a loan receipt; It takes about one month from application to approval to loan.

How long does it usually take to get a loan?

How long can a bank loan be released? The approval of bank loans is usually 7- 15 days, provided that customers have good qualifications and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if you can prepare in advance, you can often shorten the loan approval time. How to save time?

1, loan policy

Take mortgage as an example. Generally, the first suite policy stipulates that the down payment ratio is 30% or above, and the interest rate is the benchmark interest rate. At the same time, the loan conditions for foreigners to buy a house are more stringent. The first condition of a loan is a certain period of tax payment or social security certificate. At the same time, before making a loan, you should also check my credit report with the credit management department to confirm whether you can make a loan.

2. Personal credit

According to the Interim Measures for the Administration of Basic Data of Personal Credit Information, I need to inquire in person. When inquiring, the original and photocopy of valid personal identification should be provided, and the photocopy should be left to the inquiry institution for future reference.

Personal valid identity documents include: ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit. Please wait until the Credit Information Center of the People's Bank of China or the Credit Information Management Department of the People's Bank of China where the individual is located.

In addition, you should fill in the personal credit report application form truthfully when inquiring. The personal credit database network covers all parts of the country. No matter where you are, you can go to the local branch of the People's Bank of China for free inquiry.

3. The information is complete

After making some preparations before the loan, everyone needs to submit personal data to the bank for approval. Preparing relevant materials can also save some time and avoid unnecessary time loss.

How long will it take to apply for a housing mortgage loan?

If you apply for a loan through our bank, the loan approval time is generally around 15 working days. As it involves evaluation and other links, please consult the loan handling bank for the specific lending time.

If you have any other questions, please log in to "Online Customer Service" (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

When will it be approved and how long will the bank loan come down?

1. Submit your own credit certificate and income certificate; 2. Banks review individual repayment ability; 3. After passing the examination, the bank notifies to sign the loan contract; 4. Choose the loan type according to your ability, and the bank will give you a loan receipt; It takes about one month from application to approval to loan.

How long does it take to apply for a housing mortgage loan?

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

Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.

How many days can a general bank loan come down?

The speed of personal loan lending is also related to the borrower's application type. Generally speaking, the mortgage loan process is complicated, so the loan review is slow, and the lending speed is naturally slow, generally about 30 days; Because there is no need for collateral, the review is fast and the lending speed is fast, usually within 7 days. Of course, the borrower's qualification must meet the requirements of the lending institution. If it is approved, then the loan can be made. This does not mean that everyone can apply for a loan within one week.

How long does it usually take for a mortgage bank to approve a house? 5 points

1: If you need to apply for a mortgage when buying a new building, and the property has obtained a pre-sale certificate, as long as you apply to the bank, the bank will immediately check your credit history with the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit relevant copies of licenses, income certificates, down payment documents and other materials as required, and sign relevant bank documents and loan contracts.

2. After collecting all the information, the bank conducts internal examination and approval, and then goes to the housing management trading center to go through the mortgage registration formalities, which takes about 10- 15 working days. After the trading center issues other warrants, the bank will lend money within 3 working days, and then return the principal and interest through the designated account from the next month of lending, without any other formalities.

3. If you need to apply for a mortgage when buying a second-hand house, your personal integrity is fine after applying to the bank. If the bank decides to accept it, it will conduct a comprehensive evaluation of the property through a third-party evaluation agency, and the bank will verify the loan ratio according to the evaluation value. If the down payment of the loan amount is less than the contract amount registered by the housing management trading center, the difference shall be paid before the transfer formalities, and the relevant documents shall be submitted to the bank for future reference.

4. When the buyer and the seller handle the transfer formalities in the trading center, they shall also handle the mortgage registration formalities. After receiving other warrants, the bank will pay the loan to the account designated by the buyer and immediately transfer the relevant funds to the designated bank account provided by the seller.

Then you can repay the loan on time.

5. Entrustment, in principle, the sale of houses is not allowed. Please consult the local housing management trading center and relevant banks in advance. The entrustment procedure is only that you personally and the client personally issue the entrustment certificate and witness it at the notary office or law firm.

6. If you are married, all the above procedures need you to go through with my wife and provide a marriage certificate.

How long can the bank loan of real estate license be approved?

After the information is complete, it will take 3-5 working days to send it to the Hunger Bank for approval, but it will take 15 working days to complete the loan at the earliest (plus weekends, almost one month).

What are the procedures for personal loans from banks? How long will it take?

Hello, if you apply for a loan in our bank, you need to provide a clear proof of the purpose of the loan. You need to submit relevant supporting materials to our counter or personal loan center to apply (the types of loans carried out in different cities may be different, so it is recommended to contact the local counter for consultation if necessary). In principle, it takes about 65,438+05 working days for our bank to approve the loan, because it involves evaluation and other links, and the specific lending time needs you and the account manager of the local branch to know in detail.

If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support!

How long can the loan come down, and the process of bank loan approval

Loan procedures 1, loan application. Borrowers apply for loans from local credit cooperatives. In addition to applying for rural loans, other types of loans should also provide relevant information. (1) Basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan; (3) Rectification of original unreasonable loans; (4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention; 5] Project proposal and feasibility report; (6) Other relevant information deemed necessary by the credit cooperatives. 2. Credit rating evaluation. Credit cooperatives evaluate the credit rating of borrowers. 3. Loan survey. Credit cooperatives investigate the legitimacy, safety and profitability of borrowers. 4. Loan approval. Credit cooperatives carry out loan approval in accordance with the loan management system of loan separation and grading approval. 5. sign a contract. Credit cooperatives sign loan contracts with borrowers. 6. Loan issuance. Credit cooperatives issue loans on schedule according to the loan contract. 7. Post-loan inspection. The credit cooperatives shall conduct follow-up investigation and inspection on the borrower's performance of the loan contract and operation. 8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If it is necessary to extend the loan, an application for loan extension shall be submitted to the agency before the loan expires, and the extension matters shall be decided by the agency.

How many days can the bank loan be approved?

Credit loans can generally be approved in 5-7 days; Mortgage loan will involve more processes than credit loan, and it usually takes 15-20 working days to complete the approval; However, housing loans will be affected by local policies. If the current bank lending is tight, it will probably take 1 month or several months to complete the approval.

At the same time, the approval time of bank loans will also be affected by the loan peak season and low season. If it is the peak season, the loan approval will be relatively slow, while in the off-season, because there are fewer applicants, the approval speed will be much faster.

Extended data:

Matters needing attention in bank loans

1. Apply for the loan amount according to your own ability.

When applying for a loan, you should have a correct understanding of your repayment ability, and at the same time make a correct and objective prediction of your future income and expenditure to avoid overdue due to your inability to repay the loan.

2. Choose the repayment method that suits you best.

Different repayment methods will lead to different interest payments. There are two common repayment methods for general mortgage: matching principal and interest and average capital. The advantage of matching principal and interest repayment method is that the monthly repayment amount is the same, and the borrower can arrange the family's income and expenditure in a planned way. However, the interest will be more. The advantage of average capital is that the interest paid is less than the matching principal and interest. As time goes by, the burden of repayment will become lighter and lighter, but the amount to be repaid in the early stage will be more.

3. Provide my information accurately and timely.

The address and contact information provided by the borrower to the bank must be accurate to facilitate bank contact. If there is any change, the borrower must contact the bank in time to inform the new address and contact information. The application materials provided to the bank should also be true and complete, otherwise it is likely that the loan will be rejected directly.

How long does it usually take for banks to lend money?

Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

Generally speaking, the term of bank loan is 7- 15 days. The premise is that customers have good qualifications, and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, 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 provide a 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.

1. Loans to banks are generally divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

1) has something to do with the bank. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

2) Have a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

3) Let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

This is the end of the introduction about how long the loan can come down and how long the loan can generally come down. I wonder if you have found the information you need?