How long does it take for banks to approve a home loan? How long will it take for the loan to be released after approval?

There is no standard answer to how long it takes for a mortgage bank to approve it, because each bank has different requirements and review standards. Even the same bank has different approval speeds in different periods. Not the same.

Usually it only takes about half a month for banks to approve loans.

The bank's mortgage loan approval is relatively slow. From everyone's submission of materials to the bank's receipt and approval, the whole process takes about half a month. During this process, the bank will Focus on verifying the authenticity of your information and checking whether your bank statements, credit information and other conditions meet the bank's requirements.

If all conditions meet the bank’s requirements, the bank will generally give the approval result within 15 days after you submit the information.

Of course, how long it will take for the bank to approve the application depends on the number of bank customers. If the bank has a large number of customers applying for mortgage loans, the approval time will be relatively longer. On the contrary, if the bank applies for a mortgage loan, the approval time will be relatively longer. If there are fewer people, the approval time will be relatively shorter.

As for how long it takes for the loan to be released after the bank's approval is passed, it depends on the physical situation.

Passing approval for a bank mortgage loan does not necessarily mean that the loan will be issued immediately. The details will depend on the easing of bank funds.

Under normal circumstances, if the bank has sufficient funds, the loan can basically be completed within 1 to 2 weeks after the loan is approved, and the entire mortgage loan application process only takes about a month.

However, if bank funds are relatively tight, it will take a longer time to disburse mortgage loans. Sometimes it is normal for individual banks not to disburse funds for more than half a year after the mortgage loan is approved. For example, from the second half of 2017 to the first half of 2018, due to strict supervision and tight bank mortgage quotas, many banks were very slow to disburse mortgage loans. Most bank loan approvals had to be queued up slowly. Waiting for a loan, most banks at that time took more than two months to lend, and some banks even had to wait more than 6 months before they could lend.

How can we speed up the disbursement of home loans?

When bank funds are relatively tight, the disbursement of mortgage loans is relatively slow. At this time, many people are very anxious. For example, some people are waiting for the approval of the mortgage loan to be able to move into the house normally. As a wedding room. So when banks are slow to disburse loans, is there any way to increase the speed of home loan disbursements?

In fact, although banks’ lending speed is relatively slow when funds are tight, some users are still able to lend money quickly. There are three main reasons why they can speed up lending. reason.

First, it has something to do with the bank. If you know someone in the bank, these people can talk to the bank and ask them to say hello to the approval department, so that quick loans can be achieved through the back door.

Second, have a large deposit in the bank. If you are a big customer of the bank or have a large deposit in the bank, you can use the green channel to achieve quick loans.

Third, let banks raise higher loan interest rates. When bank funds are relatively tight and everyone is queuing up, banks will lend to the best and the highest. In other words, whoever is willing to bear higher loan interest rates may be given priority in lending. Therefore, when bank lending is slow, you can actively ask the bank to raise interest rates to a higher rate, so that the bank may speed up lending.

Hello, I am happy to answer your question. How long does it take for banks to approve a home loan? How long does it take for the loan to be released after approval? This depends on the specific situation. Now let me talk about a few points:

1. Home loan approval process

The speed of home loan approval mainly depends on the information submitted by the borrower, such as The loan information reported is complete and true, has no defects and meets the requirements. Generally, the approval can be completed within 3 days.

Take ICBC as an example. It now fully implements paperless office and has requirements for business processing. After receiving the loan information, there is a specified time to complete the work. For complete and flawless loan information, it is required to report it within 3 days. Approval process, generally the mortgage process reported by branches, the loan information is complete and reliable, the superior bank can complete the approval on the same day, and in special circumstances, the approval may be postponed to the next day.

2. Loan process

After the mortgage loan is approved, relevant procedures need to be completed before it can be issued. For example, for an off-plan house, the developer must deposit a deposit as required; for an existing house, a mortgage must be obtained Once the procedures are complete, the loan can be issued. However, now the issuance of housing loans is restricted by the loan limit. Loans cannot be issued without a limit. It is hard to say this. It can be one month, two months or even longer.

The above is my answer, I hope it can help you.

This is not certain. It can take as little as a few months or as long as more than a year.

Before 2017, that is, before this wave of nationwide rising prices, banks generally approved loans for 1-3 months. After 2017, the demand for loans surged, and bank approvals became more stringent, so the review and loan times were extended. As a result, many people were unable to get loans approved for more than half a year after the transfer of ownership.

The bank's approval speed is linked to many factors such as personal credit, assets, liabilities, income, and turnover. If it has high credit, a high net worth, no debt, and a lot of capital, then the approval will be It will be faster, otherwise it will be slower. Of course, this is also related to different regions, different banks, and different loan methods.

Generally speaking, as long as the bank informs you that the loan application has been approved and you can go through the transfer process, then the loan can eventually be issued in 1989. It is nothing more than a matter of time. Judging from the current common lending time, it is usually about half a year, that is, mostly between 4-8 months. If it is discovered that the materials and data are falsified during the review period, or the loan applicant has debt or property problems during this period, the review time will be extended or the approval will be refused.

There is no time standard for this, it varies from industry to industry and from person to person.

Currently, more than 98% of people in our country choose bank loans to buy houses. The timing of bank loan criticism and loan lending time are both uncertain factors. We must also consider the handling fees and circumstances, which will greatly affect our bank's approval and loan time.

Things that need to be prepared for the bank’s approval procedures and loan procedures.

Be sure to prepare information when applying for a bank mortgage, including ID card, household register, marriage certificate, bank card, income certificate, bank statement, credit report, house-free certificate, real estate certificate, etc. All these documents must be prepared. If one thing is missing, the bank approval procedure will be delayed.

The approval time of each bank and even each branch is uncertain. Normal bank approval time is 7 to 15 working days, and some banks even take a month. time for appropriation. When comparing various banks, be sure to choose a bank with sufficient funds, so that the approval time will be greatly shortened.

▲The time it takes for the bank to lend money largely determines the procedures for our entire transaction process.

After waiting for the bank loan letter to come out, we will proceed with the following procedures: redeeming the property, decompressing the property, paying taxes, transferring ownership, waiting for the release of the new property, property mortgage, and loan . Under such complex procedures, the time for buyers and sellers to arrange procedures will also affect the point at which bank loans are made. The longer the time drags on, the slower the bank's loan speed will become.

After all procedures are completed, the bank's loan time is generally 7 working days. It should be considered that due to the circumstances of some banks, the loan time will be extended by 1 to 6 months. normal range. It is best to choose the time to buy a house when the bank's funds are relatively sufficient in the first quarter. The bank's fund assessment allocates funds on an annual basis.

Although the four major banks have sufficient funds, there are current national policies to control the allocation of funds, and a lot of funds are reluctant to flow into the real estate market. Try to choose a commercial bank with good reputation and good reputation, so as to ensure the speed of loan approval and loan disbursement.

There are several common ways to improve the bank's approval speed and loan disbursement speed.

● Choose Monday or Friday as the time for bank mortgage.

Most banks review and approve applications once a week, and some banks do so once every half month, depending on the bank's internal staff structure. If done well, we will sign the mortgage the day after approval, and we will have to wait another period, so the overall time will be longer.

●Choose relevant financial products from the mortgage bank. This will not only increase the bank’s approval speed, but more importantly, it can lower the mortgage interest rate. After choosing financial products, the interest rate of the mortgage will generally be lowered. 5%, which can reduce the pressure on us to provide housing in the future.

●The bank has familiar personnel to help, and the procedures can be sorted out faster. This also makes more people choose intermediary companies. If we go to the bank to apply for a loan by ourselves, it is difficult for a bank to lend us money privately without acquaintances.

Regarding the bank's loan speed, we can choose the guarantee company to help solve the problem. After all, the guarantee company will have the right to help us lend money after we transfer the ownership. This is also the quick loan we often hear. Another thing is that we try to compress all the procedure time as much as possible so that the subsequent procedures can be disbursed faster.

Summary:

The bank's approval time and loan time are generally 7 working days. This is an ideal state in which every bank and branch has everyone. They are different, so the time is still biased. It can be as short as a few days or as long as a few months.

The length of the nonsense is a factor of the bank. It is beyond our control. What I can control is the length of our own procedures, which must be controlled.

I am interested in real estate. I am familiar with the after-sales process of real estate transactions, and have professional knowledge on first-hand housing sales and real estate. A series of real estate issues are welcome. Everyone is welcome to leave a message to discuss.

There is no precise answer to this question.

It’s not that I want to talk nonsense, that’s the truth.

Each bank, each time period, and each customer may have a different mortgage loan disbursement speed.

The approval process of each bank may be different. The credit scale of the bank in each time period is different, and it is affected by regulation differently, and the credit granting tasks are different.

Each customer’s qualifications are different, and even each property’s relationship with its partner bank is different.

As for how long it usually takes for banks to approve a home loan, you can directly ask the staff of the bank that handles the loan procedures for you when you go through the procedures. The length of the approval time mainly depends on the staff of the bank that handles the procedures for you. Work efficiency and approval efficiency of superior authorities.

There is also the tightness of the bank loan limit. Generally, the bank account manager will tell you when applying for a loan. Of course, if I haven't told you, you can ask, because each bank's approval process, the work efficiency of the account manager, and the lenient degree of the loan limit are different, and there is no unified answer. Ask your customers Manager is the best answer.

As for how long it will take for the loan to be released after approval, assuming there is a quota, it is estimated that the loan can be released in one or two working days (provided that the account manager is on duty and actively disburses the loan)

< p>Once approved, the account manager will need to enter the loan information for you in the bank's computer system, and it will be reviewed and approved by the superior authority. Generally, the approval will be completed on the same day. Once the approval is completed, the loan can be released.

I have been engaged in financial work for many years. If you have other financial issues, you can communicate with us! Thanks!

Another related article will be posted!

Submit the information, complete the interview, and get approved in three to five days. Then sign the contract, allocate funds, and start paying off the mortgage [awkward laugh]

Usually it takes a week to a month Approval and disbursement take about one week after approval. The main thing is to look at the information of the home buyer, meet a friend, and do not have any acquaintances. After submitting the information, the application will be approved within two days, and the loan will be released three days later. Real estate sales are incredible. Therefore, I think the main factors that affect the time of mortgage loan disbursement are as follows. 1. The home buyer’s guarantee information such as credit report, bank statements, the bank’s financial products, etc. 2. The flow of funds from banks. If the banks that lend money have sufficient funds, they will lend money quickly.

3. The influence of the general environment mainly depends on the country's policies and regulations. The size and time of loan funds corresponding to loose policies and tightening policies still have a relatively large impact

The loan time of each bank and institution is different

p>

Tell me where you got the loan specifically, and I will tell you the specific time

It’s so fast. If I ask you for a loan again, the bank will be afraid that you won’t lend it. If they get up, they will come to take over the building.

How long does it take to disburse the mortgage loan after it is approved?

Question 1: How long does it take to disburse the mortgage loan after it is approved? Under normal circumstances, after the documents are complete and the contract is signed, there will be an approval period of about 10 days, and then It takes about a week to process the mortgage registration, and the final wait for the loan is about a week.

Personal housing commercial loan procedures and processes

1. Basic conditions for commercial housing mortgage loans

1. The borrower has a stable career and income, and has good credit. Have the ability to repay the principal and interest of the loan;

2. The house purchased is located in a town (including urban area, county town, large market town) and is in principle the borrower's current place of residence, work or business;< /p>

3. Have signed a "Commercial Housing Sales Contract" with the developer, and have paid the down payment ratio specified by the bank based on personal credit status, with a minimum of 30% or more;

4 , The loan amount is determined based on the borrower's credit situation, occupation, education, repayment ability, and the ability to liquidate the purchased house.

5. Agree to go through the mortgage registration for the pre-purchased commercial house first, and promise to use the purchased house as a loan mortgage and re-register the mortgage after the purchased house is completed and the real estate certificate is obtained;

< p> 2. Information required

1. The original and 3 copies of the identity cards and household register of the applicant and his/her spouse (if the applicant and his/her spouse do not belong to the same household, additional proof of marriage relationship is required) ;

2. The "Commercial Housing Sales Contract" signed between the buyer and the company;

3. The original and a copy of the receipt for the advance payment of 30% or more of the house price;

p>

4. Proof of income of the home buyer (provided by the bank and placed at the sales office);

5. If the borrower is a legal person, he must bring a valid "Enterprise Legal Person Business License" or "Public Legal Person License" 》, legal representative identity certificate, financial statements, loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical charter and the mortgage certificate approved by the board of directors;

6. A copy of the developer's collection account number.

3. General business regulations

1. The loan term is generally within thirty years, and the loan maturity date cannot in principle exceed the age of the borrower (male), 65 years old (female) Age 55;

2. The loan interest rate shall comply with the regulations of the People's Bank of China. If the legal interest rate is adjusted, if the term is less than one year, the contract interest rate will be applied and interest will not be calculated in installments; if the term is more than one year, the new interest rate will be implemented at the beginning of the next year;

3. Main mortgage rates There are two repayment methods: equal principal and equal principal and interest, which buyers can choose freely. The equal principal is the monthly repayment of the principal and interest, with the larger amount first and the smaller later; the equal principal and interest is the monthly repayment of the principal with interest, and the monthly repayment amount remains unchanged (the interest rate is adjusted and changed).

IV. Housing mortgage loan process

1. The developer proposes a mortgage loan cooperation intention to the lending bank;

2. The lending bank’s response to the developer’s development project, Investigate the construction qualifications, credit rating, conduct of the person in charge, corporate social goodwill, technical strength, operating conditions, and financial situation, and sign a mortgage loan cooperation agreement with qualified developers;

3. House buyers Sign a "Commercial Housing Sales Contract" with the developer, and pay the required down payment in accordance with the requirements of the contract;

4. Within seven days from the date of payment of the down payment, the home buyer provides information that meets the requirements of the mortgage bank , apply for a mortgage loan directly to the developer's cooperative bank.

Specifically include: "Commercial Housing Sales Contract" (recording and registration), house purchase down payment receipt, ID card, marriage certificate, income certificate and other information that the bank deems necessary;

5. The loan bank’s requirements for the house purchaser Investigate and review all aspects of the situation and procedures, and go through preliminary procedures with home buyers (including the home purchaser’s spouse) who meet the basic conditions, including loan application, contract repayment statement, commitment, conversation transcript, loan contract, and IOU etc.; then the home buyer opens a deposit account or bank card at the lending bank, and the bank reports to the superior bank for approval;

6. The application approval period is generally within 7 days. For those that exceed this period, the marketing department will contact the bank in a timely manner to understand the situation and solve the problem, actively assist the home buyer to obtain the loan, and sign the stage guarantee procedures with the mortgage bank in a timely manner;

7. Handling of problem customers:

(1) If a home buyer who is in the application stage applies to cancel the mortgage loan due to his or her own reasons, the home buyer should pay the balance in full as a one-time payment within 20 days from the date of cancellation;

p>

(2) When the loan amount finally approved by the bank does not reach the total mortgage amount, the home buyer should make up the balance within 10 days from the date of bank approval;

(3) The home buyer due to credit If the bank mortgage loan is not approved due to its own reasons such as identity, repayment ability, etc., the seller will not be allowed to check out. According to the actual situation, if the preferred adjustment loan bank applies separately, but it is still not approved, the home purchaser can be changed upon the application of the home purchaser, and the contract purchaser can be changed to a relevant person who has a family or kinship relationship with the home purchaser. The marketing department should apply for cancellation of the commercial house in a timely manner. Sales contract, signed separately. If the home buyer does not agree to change the contract, the date when the bank mortgage loan is not approved...

Question 2: How long will it take for the mortgage loan to be released after the mortgage loan is approved? You must get it before the monthly payment contract.

Ask the bank directly because the loan contract is signed between you and the bank. As a party to the contract, you should have an original copy of the contract.

The general operation of mortgage is that after disbursing the loan, the bank will give the mortgage information belonging to the borrower (such as loan contract, repayment passbook, etc.) to the developer for transfer to the borrower! If you fail to get the contract, you can request it directly from the bank. The fact that you did not receive it should be the responsibility of the bank and has nothing to do with you! ! If the bank cannot resolve the matter, you can complain to the industrial and commercial department or the local People's Bank of China! ! The loan contract is generally made in four copies, one for the bank, one for you and the real estate company, and one for mortgage registration. If you don’t have a loan contract, there are two possibilities: First, the bank may only give the developer two loan contracts. The developer will hold one and use the other as collateral. Of course, yours will be gone! Another possibility is that the bank gave three copies to the real estate company, and the real estate company may have lost one copy, so you will no longer have a share in the contract! ! Either way, you should have a loan contract, that’s for sure.

After the developer has received all the house payment, you can ask the developer to issue a formal purchase invoice, and also request a formal invoice for the deed tax and maintenance funds.

Question 3: How long does it take to disburse the mortgage after it is approved? It depends on how quickly you submit the information. Did you do it yourself, or did the developer help you? The developer's will be slower, but it saves you trouble and you don't have to worry. If you do it yourself, it will be relatively faster since there is only one person. But it would be very annoying to go to the bank and so on by yourself, there are many procedures. Generally speaking, if your information is complete, the bank's approval and investigation can take up to 15 days at the fastest, and it can take more than a month if it is slower

Question 4: After submitting the application for a personal housing loan, how long does it take to be approved for the loan? It usually takes 7 to 10 working days after application. The slow one is usually 15-20 working days

Question 5: How long does it take for the bank to issue a mortgage loan or mortgage loan after the mortgage loan is approved? The cycle is usually one month. If the bank loan If there are a lot of people, the application time may be delayed to one and a half months, or even two months.

Documents required for loan preparation: ID cards, household registers, marriage certificates, income certificates, bank statements, property rights certificates, and land certificates of the lenders (couples), and there are no problems with the credit of the lenders (couples) The bank will accept the package under certain circumstances.

After the information is submitted to the bank, the bank's risk control department will call for a follow-up visit. The call for the return visit is usually the company's landline or a personal call for the return visit.

Approval is usually within 3 working days after the telephone return visit. After passing the approval, the bank will call you to tell you when to go to the Housing Authority to apply for mortgage registration. After completing the mortgage, the bank will Funds will be deposited to your payment card on working days.

Question 6: How long will it take for the loan to be disbursed after the new home loan is approved? After the new home loan is approved, it is the first step of the long march. The subsequent procedures are mainly to pay personal income tax and deed tax, which depends on the local housing authority. The housing management bureau works from 9 to 5. It took me about one and a half months to complete the online signing, tax payment, real estate registration procedures, and other services. It took five working days for the loan to be issued. It takes about two months to complete the entire process.

If the real estate development company centralizes the processing, it may be faster.

Question 7: Can anyone tell me how long it will take for the loan to be released after the housing loan is approved? If it is a personal housing loan processed at China Merchants Bank, if the application materials you submit are complete, the approval will take about 15 working days, because it involves evaluation. , mortgage registration and other aspects, each customer's situation will be different; for the specific loan disbursement time, processing progress and other related information, you can directly contact the handling outlet or loan account manager to confirm.

In addition, if you have submitted a loan application at China Merchants Bank, you can also log in to mobile banking to check the loan approval progress: 1. Home page - Borrow money - Loan progress query; 2. My loan - Query - - Loan progress inquiry; 3. Assistant - Borrow money for business - Loan progress inquiry.

Question 8: How long will it take for the mortgage loan to be disbursed after approval? 2017 After approval, the loan will be disbursed in about one or two months. You can ask the bank staff.

Preparation materials for real estate mortgage:

1. ID card;

2. Marriage certificate;

3. Real estate certificate (big red This);

4. Proof of income;

5. Bank statements.

Question 9: How long does it take from approval to disbursement of a home loan? Generally, it takes 15-20 working days to apply for a home loan from a bank. Loan approval process:

(1) The credit personnel of the handling bank within the approval authority of the handling bank - the person in charge of the credit department - the person in charge of the handling bank

(2) The handling bank Approval from the handling bank outside the approval authority - report to the superior bank's credit approval agency for approval. After investigation, the handling personnel shall state the situation and review opinions in the "China Construction Bank Personal Housing Loan Approval Form", and submit the loan approval form and The approval materials are submitted to the person in charge of the credit department, who signs the approval opinions on the approval form and submits them to the branch manager in charge to sign the approval opinions on the approval form. If the sub-branch's approval authority is exceeded, the sub-branch shall sign the approval opinion and then submit it to the credit approval agency of the higher-level bank for approval.

Question 10: How long will it take for the second-hand housing loan to be received after the second-hand housing loan is approved? It has nothing to do with the approval.

Approval only means that the new buyer has this qualification. To make a loan.

To actually lend money, a new property ownership certificate will be issued after the real estate and land bureau completes the transfer procedures.

Then the new buyer will take this new ownership certificate and go to the property. The Bureau will handle the mortgage procedures

Within three working days after the procedures are completed, the Real Estate and Land Bureau will issue a certificate of other rights.

At this time, the intermediary company should urge the bank to go to the real estate The bank will get his warrant,

The bank will release the loan the day after getting his warrant, and it will usually arrive in the account in three working days.

One month after the approval, It stands to reason that the procedures with the Real Estate and Land Bureau are almost complete

You should first ask the intermediary how far the procedures are. If the new certificate is in the hands of the intermediary, it will only be a matter of time.

< p> If the new certificate is in the hands of a new buyer, there will be a certain risk, because he is now the property owner, and as long as he has the warrant

he can use it as a mortgage.

The bank When will the loan process be completed

The disbursement time is different. For credit loans, you can get the loan as soon as one day, but in this case, the lender often requires good credit qualifications and the loan institution's review efficiency is high, otherwise it will take a week to get the loan. When taking out mortgages and secured loans, timing is uncertain. The fastest loan time is 3-4 days, and the slow loan time is 10 days or even 1-2 months. So the disbursement time depends on the type of loan. Generally speaking, mortgages and secured loans take a long time to disburse.

Because the requirements for these loans are stricter, disbursements will be slower. Disbursement times for different lenders. Banks generally lend for a long time, ranging from about a week to two months or even longer. Because the bank's review is more stringent and detailed, and it has high requirements on the applicant's personal qualifications, the applicant will be inspected more carefully and there will be more names to be inspected. Companies can quickly apply for credit loans, with the fastest possible disbursement on the same day. Usually, they can pay within 2~3 working days. The company has always had low personal qualification requirements, so the review process is simple and the number of applicants is limited, so the lending efficiency is high.

To add, the specific loan process is as follows:

1. First submit a loan application to the bank and submit relevant loan procedures according to the loan type.

2. The bank will review the submitted loan application.

3. After the review is completed, the bank and the lender sign a contract.

4. After the contract is signed, the applicant needs to go through mortgage or guarantee procedures depending on the type of loan. If it is a pure credit loan, no need to provide it.

5. The bank issues loans according to the contract.

By the way, what is the interest rate of credit loans:

Currently, the annual interest rate of bank credit loans is generally between 6% and 8%, and some banks have lower interest rates. For example, ICBC currently offers preferential interest rates on credit loans. From now until February 28, 2017, you can enjoy a 20% discount on interest rates when applying for e-loans, of which the one-year loan interest rate is 5.22% and the loan interest rate for more than one year is 5.7%.

How long does it take for a bank loan to be disbursed

The disbursement time of different loans. If you apply for a credit loan, you can get the loan as soon as one day. However, in this case, the lender often needs to have good credit qualifications and the loan institution has high review efficiency. Otherwise, it will take a week to get the loan. When applying for mortgage loans and guaranteed loans, the time is uncertain. The fastest loan disbursement time is 3-4 days, while the slower loan disbursement time is more than ten days or even 1-2 months. Therefore, the disbursement time depends on the type of loan. Generally speaking, mortgage loans and secured loans take longer to disburse. Because the requirements for these loans are stricter, the disbursement speed will be slower. Some. Disbursement times for different lenders. Bank loans usually take a long time to disburse. The shortest time is about a week, and the long time is two months or even longer. Because the bank's review is relatively strict and detailed, and has higher requirements for applicants' personal qualifications, they will examine applicants more carefully and examine more items. Corporate credit loan applications are very fast, and can be disbursed on the same day at the earliest. Generally, the disbursement can be made within 2 to 3 working days. The company has never had high requirements for personal qualifications, so the review process is simple and the number of applicants is limited, so the lending efficiency is high.

To add, the specific loan process is as follows:

1. First submit a loan application to the bank and submit relevant loan procedures according to the type of loan.

2. The bank will review the submitted loan application.

3. After the review is completed, the bank and the loan applicant sign a contract.

4. After the contract is signed, depending on the type of loan, the loan applicant needs to go through procedures such as mortgage or guarantee. If it is a pure credit loan, there is no need to provide it.

5. The bank issues loans in accordance with the contract.

To add, what is the interest rate of credit loans:

Currently, the annual interest rate of bank credit loans is generally between 6% and 8%, while some banks have even lower interest rates. . For example, ICBC is currently launching a credit loan interest rate discount. From now until February 28, 2017, you can enjoy a 20% discount on interest rates when applying for e-financing loans. The interest rate for loans with a term of one year is 5.22%, and the interest rate for loans with a term of more than one year is 5.7%.

When will Ping An Bank’s corporate loans start in 2017

The earliest corporate loans in 2017 should be in March 2017.

From November 20, some banks will completely stop housing loans, and banks will enter the year-end deposit collection period from December to January. There is a bank holiday in February, and basic lending starts in March. For details, please contact the relevant bank or lending institution.

The information required for corporate loans is as follows:

ID card of the legal person;