Generally, it takes 1 to 3 months for CCB to issue mixed loans. Because the mixed loan will involve two institutions, the lending time will be longer. Usually, after lending, CCB will send a message to inform users, subject to the time when the notice is received. Inquiry method of CCB's mixed loan progress: you can call the customer service hotline for inquiry. Bring my ID card and loan-related documents to the banking counter to check the loan progress. You can also log in to China Construction Bank official website and select "Personal Loan" to check the loan progress. The process of portfolio loan of China Construction Bank is: the applicant applies for portfolio loan from China Construction Bank. Then the Construction Bank signs a contract with the borrower. After that, the applicant applies for mortgage and insurance. Then the applicant opens a housing provident fund loan and a commercial loan account. Finally, the applicant fills in the "loan transfer voucher" for provident fund personal housing loan and personal account housing loan at the bank accounting front desk. According to the loan contract, the loan bank will directly transfer the loan to the deposit account opened by the borrower in the loan bank, or transfer it to the opened deposit account in one lump sum or in installments. After completion, the borrower can pay off the loan principal and interest according to the repayment plan agreed in the loan contract.
China construction bank
China Construction Bank, formerly known as People's Construction Bank of China, was officially renamed as China Construction Bank on March 26th, and was established on 1996 and10.954. China Construction Bank is a joint-stock commercial bank and one of the top five state-owned commercial banks. China Construction Bank has a broad customer base, and maintains banking ties with many large enterprise groups and leading enterprises in China's economic and strategic industries. Its marketing network has covered major areas in China. 20 13,101On October 29th, China Construction Bank Europe Limited and China Construction Bank Luxemburg Branch successfully opened in Luxembourg. 20 13 At the end of June, the market value of China Construction Bank reached176.7 billion USD. 20 14 On May 8th, Forbes Global 2000 list was released, and CCB ranked second in the world. 20 15 In July, Fortune published the list of China Top 500 in 20 15. China Construction Bank ranked ninth with revenue of 570.5 billion and second with profit of 227.8 billion. On February 25th, 20 16, China Construction Bank announced that the mobile banking transfer and remittance will be free of handling fees.
How long does it usually take for CCB portfolio loans to be approved?
First of all, answer directly.
For portfolio loans (a combination of provident fund loans and commercial loans), after submitting the application, the housing provident fund management center and the handling bank will generally complete the examination and approval within 10 to 15 working days and issue the examination and approval results.
Second, the specific analysis
If the speed is fast, it may be completed within a week; If the speed is slow, it may still be under review for more than two weeks.
Of course, sometimes things are delayed, and it may take longer. For example, the bank settlement at the end of the year may take more than one month to complete the examination and approval.
And don't worry, when the audit results come out, whether they pass the audit or not, they will be notified.
After receiving the notice, those who have passed the examination and approval can sign the loan contract, handle the mortgage and other related procedures, which can be completed in about a week, and then enter the lending stage.
And the loan usually arrives in a month or so.
Generally speaking, it takes about two or three months from submitting a loan application to paying the funds, so just wait patiently.
You can quickly query in Beijian, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
3. How long can the provident fund loan be approved?
After the application is submitted, the provident fund loan will generally be approved within one month, and the specific time spent is related to qualifications, information provided and work efficiency.
It is recommended to wait patiently until the audit results come out, regardless of whether the approval is passed or not, it will be notified immediately.
If the approval progress is delayed, you can also contact the staff of the local housing provident fund management center for consultation to see what caused the delay or has been rejected.
However, if the notice of the audit result is successfully received, those who pass the examination and approval need to sign the loan contract at the outlet in time and go through the relevant procedures such as mortgage registration, then entrust the bank to lend money, and the real estate developer will receive the remaining house payment and repay it in installments on time according to the contract.
The follow-up process will take about one to two months.
Therefore, it takes about two or three months to apply for a provident fund loan.
If there is a shortage of funds and the banking business is busy, there may be a delay, which will take three to five months or even longer.
What is the process of CCB's portfolio loan?
The process of CCB portfolio loan is as follows:
1. Apply for CCB portfolio loan.
2 provident fund loans are audited by the provident fund management center, and commercial loans are audited by CCB.
3. The reply of the Construction Bank shall be reported to the Provident Fund Management Center for confirmation.
4. Sign the loan contract after confirmation.
5, the construction bank will be two parts of the loan funds at the same time.
This is the end of the introduction of CCB's mixed loan. How to repay CCB's mixed loan? I wonder if you found the information you need from it?