1. How many days does it take to get approval for high-value postal services?
The review of high-value postal loans usually takes about 7 working days, and the loan can be issued within 15 days after approval.
1. Postal Service Premium Loan - How many days does it take to lend a high-quality loan?
Postal Advantage Loan is a credit loan for designated high-quality units. Many people have applied for postal concession loans. The review of politically preferential loans usually takes about 7 working days, and the loans are disbursed within 15 days after approval. The specific time is subject to the actual loan time. Generally, the speed of the exam will be based on the individual qualifications of the applicant. Users with higher personal qualifications will naturally take the exam faster. You can check the progress of loan approval and disbursement through Postal Bank Mobile Banking. If the postal preferential loan is not disbursed after the specified time, you can call Postal Bank for customer service consultation. In addition, after the postal preferential loan is issued, the applicant must repay the loan on time. If there is overdue behavior, the system will upload the overdue records to the central bank for credit reporting, which will affect personal credit reporting.
2. For companies with large loans from banks, it usually takes a few days for the loan to be released after the contract has been signed.
Signing the contract does not mean that the loan will be released! Zhao Wei and his wife previously borrowed money from CITIC, but CITIC later re-examined and refused to grant the loan; the contract was signed with a department, and large amounts require discussion at all levels of decision-making! A final decision can be made after considering many factors! Generally speaking, the larger the amount, the longer it will take. Unless you have the background, you can strongly recommend the sponsor or company!
3. How long do you have to wait for large-amount corporate loans?
Large-amount corporate loans will generally arrive within 15 working days, and no more than 25 days at the latest. However, it should be noted that the arrival here refers to the situation when the loan has been approved. When approving large corporate loans, banks will be more cautious and examine more information than when approving loans for ordinary people. In addition to business licenses, tax registrations, etc., they will also check public billing statements, salary payment bills, etc. Under normal circumstances, it takes about 15 working days for banks to approve loan applications for corporate loans. : 1. A large loan is a loan that exceeds the consistent limit. Its standards are set by the Federal National Mortgage Association (Fannie Mae) and the Federal Residential Mortgage Corporation (Freddie Mac). Larger loans are riskier for loan providers and therefore carry higher interest rates. These loans have loan balance limits. The maximum loan amount for one- to four-family homes changes annually based on the rate of change in average home prices (including new and existing homes) published by the Federal Housing Finance Agency. These loan limits are called conforming limits. 2. Pipeline risks are risks related to the issuance of housing mortgage loans. Including price risk and transaction interruption risk. The former means that if mortgage rates in the market rise, it will have a negative impact on the value of ongoing loans. The latter is when the applicant, or anyone who received the commitment letter, ultimately decides not to complete the transaction and not borrow money from the mortgage originator to purchase the home. 3. Loan (electronic IOU credit loan) is simply understood as borrowing money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Principles The "Three Principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial bank loan operations. Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline." 1. Loan safety is the primary issue faced by commercial banks; 2. Liquidity refers to the ability to recover loans within a predetermined period or to liquidate them quickly without loss, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency refers to the bank's continued The basis of business.
For example, when issuing long-term loans, the interest rate is higher than that of short-term loans, which is good for efficiency. However, if the loan period is long, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony between the "three natures" so that there will be no problems with loans.
4. How long does it take from the loan to the disbursement?
“I recently sold a house, and the client is now applying for a loan. How long will it take from his loan to the time I get the money? ”
Answer: After the transfer, mortgage registration is required. After the mortgage is processed, it usually takes 15-20 working days for commercial loans. The time before transfer depends on the degree of cooperation between the two parties. Taking Beijing as an example, it is about Commercial loans take about 30 working days, municipal provident funds take about 45 working days, state-managed provident funds take about 60 working days, and portfolio loans take about 120 working days.
"What are the procedures in between?"
Answer: Process {Signing the contract (paying the deposit at the same time) - If you have a loan for your house, you need to redeem the house (and make an appointment with the bank to repay the loan in advance, raise funds yourself or use the buyer's down payment) (skip this step if you don't have a loan) - Online signing (the seller and the buyer sign an online contract) - Appraisal (and the appraisal company's assessment of the property's market value) - Interview (that is, the buyer applies for a loan from the bank, and the loan is used to purchase a house. To purchase the seller's house, the loan funds It is for the seller) - loan approval (there is a loan approval letter for commercial loans, and an acceptance note for provident funds) - transfer (both buyers and sellers pay taxes, transfer property rights (i.e. transfer) - handle mortgage registration (the buyer's new property ownership certificate is mortgaged by the bank) )—Loan (that is, the buyer’s loan funds are released from the bank to the account reserved by the seller)—Property delivery (both parties handle the handover of the house (that is, settle various expenses))}
Hope this can help you