Generally speaking, it takes 3-5 working days to approve the credit loan of CCB. However, in order to let users better experience the credit loan service, users can apply for a credit loan through the mobile banking app or the official micro-signal. As long as the loan threshold is met and the personal credit status is good, the application may be approved on the same day.
Of course, for different credit loan products, the standards of risk control audit will be slightly different. Please refer to the actual approval time of the bank for details.
How long does it usually take for CCB commercial loans to be released?
Commercial loans, also known as personal housing loans, generally take one month to apply for mortgage loans. If banks lend slowly, one and a half months is possible.
The housing loan process of China Construction Bank is as follows:
Sign a loan contract with the bank → give the title certificate to the bank after it is approved by the bank → handle other rights → borrow from the bank.
Extended data:
Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.
Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.
Process considerations:
1. Submit a loan application: When you have signed a house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.
Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt.
2. The bank accepts the investigation: after receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month; During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. During this period, the loan applicant needs to keep in touch with the bank.
3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower, etc. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.