Bank lending time is generally around 3 pm -6 pm. Generally speaking, after the complicated process is completed, the business personnel can make payment. So banks need to check the process in the morning and lend money in the afternoon. However, the lending time will generally not exceed 6 o'clock, because banks usually stop a lot of business around 5: 30 pm. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. Application conditions The borrower's requirements are 1. Natural persons (Hong Kong, Macao and Taiwan, Chinese mainland and foreigners are also allowed) aged 18-60 2. A stable job and a stable income. The ability to repay the loan principal and interest listed in Schedule 3. The actual age of the borrower and the loan application period shall not exceed 70 years old. The information that the borrower should provide is 1. You need both husband and wife's ID cards, household registration book/temporary residence permit and household registration book. 2. Marriage certificate/divorce certificate or judgment/single certificate. 3. proof of income (format stipulated by the bank) 4. Copy of business license of the company (with official seal) 5. Credit certificate: including academic qualifications. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements. Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year. The seller needs to provide materials 1. Husband and wife's ID card, household registration book and marriage certificate (marriage certificate or single certificate) 2. Special materials of real estate license required by foreigners to buy a house: Taiwan Province people-mainland travel permit (Taiwanese certificate), household registration vine (which can prove their marital status), Beijing house purchase approval form, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration). Mortgage notarial deed (entrusted to handle the late house purchase and mortgage registration): notarization of Chinese translation of passport, notarization of Chinese translation of name, notarization of Chinese translation of household registration (which can prove marital status), notarization of mortgage (entrusted to handle the late house purchase and mortgage registration): notarization of Chinese translation of other nationalities-passport, notarization of Chinese translation of name, notarization of Chinese translation of marriage certificate and notarization of mortgage (entrusted to handle the late house ownership and mortgage registration). Materials that the seller needs to provide for the enterprise: legal person ID card, original and photocopy of business license, organization code certificate, resolution of the selling board, articles of association, power of attorney, trustee ID card, proof of collection account (all the above materials must be stamped with official seal) and real estate license.

2. How long can Shenyang Construction Bank lend provident fund loans?

The process set by the provident fund center should be promised to complete the reply within 4 working days. However, recently, a single payment needs to go through preliminary examination, review, leadership approval, notify the bank, and the bank also informs the individual. Sometimes it takes a week to return a piece, and the bank will supplement the information before reporting it. After another week, I found that the information was incomplete and the parties complained angrily. The bank finally has no problem with the information this time, and the center can get it in 4 days. This case is because there is a problem with the bank's information preparation. In addition to finding a personal loan officer with good business ability, if an internal professional is correct, it is also a general problem to send it to the bank.

3. How long does it take for the bank to apply for a loan and release it?

To apply for a personal loan at China Merchants Bank, if the application materials submitted are complete, the examination and approval will take about 15 working days. Because it involves evaluation, mortgage registration and other links, each customer's situation will be different. Please contact the handling branch or loan account manager directly to confirm the specific lending time, review status, processing progress, loan cancellation and other matters.