Not difficult. The probability of passing the audit is very high, and it usually takes about 15 to 20 working days.

Loan processing flow

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB conducts loan approval.

4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement. Bank loan review process:

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1. Sub-branches and account managers of sub-branches receive customers and conduct preliminary negotiations. At this stage, the bank account manager will understand the basic situation of the customer and introduce the banking products that the customer may use according to the customer's situation.

2. The customer shall provide basic parts and auxiliary parts according to the requirements of the bank. It is not required to provide complete documents at one time, because each customer's situation is different, and some people need to reissue documents because their household registration books are not local. As long as the evaluation report is delivered and the bank account manager completes the loan file, it can be completed. This can adjust the schedule as a whole and speed up the loan approval.

3. sign the contract. Signing a contract and providing requirements are carried out at the same time. Signature refers to the loan contract signed by the customer and the bank, which is quite thick, with more than ten documents and about 20 signatures. There are mainly loan master contract, loan application form, down payment letter (loan sale), mortgage registration power of attorney, single or house detailed statement, bank notice, conversation record (basically multiple-choice question), custody agreement, IOUs, power of attorney for inquiring personal credit information and so on.

4. Check the credit information of the lender. After signing the contract, the bank account manager will immediately conduct personal credit inquiry in the background. This must be signed by the customer when signing the contract (the central bank's regulations on protecting personal privacy).

5. Report for evaluation, or report for free. After signing the contract, the account manager will directly report to a qualified evaluation company for evaluation. Provide the other party with a copy of the real estate license and the party's ID card, and evaluate the time for the company to contact the party for field investigation that day. It usually takes three working days from house inspection to evaluation report, and five working days if the report needs express delivery.

During this time interval, we have time to supplement the missing documents. If it is a recent transaction before the transfer, the bank will also give an assessment-free treatment according to the situation of the collateral, that is, according to the transaction price of the last assessment.

Is the loan from Standard Chartered Bank finalized?

this is very hard

It is difficult to finalize the bank loan.

The loan has passed the first trial, and it is difficult to pass the final trial. The auditing standards of the first instance are different from those of the final instance. The preliminary examination is only a preliminary screening to see if the user meets the loan conditions. The final trial is to strictly examine the credit qualification of users. If the user's credit qualification conditions are average or poor, it is more difficult to pass the audit. Only users with excellent credit qualifications will have a greater chance of passing the final audit.

For users, passing the preliminary examination does not mean that they can pass the final examination, and the result of the final examination determines whether users can obtain loan funds.

Self-employed loans have passed the preliminary examination, can they still pass the final examination?

The loan has passed the first trial, and it is difficult to pass the final trial.

When the loan is first reviewed, a lot of materials need to be collected, and some of them need to be signed in person. If one piece of information is not standardized or true, the preliminary examination will not pass. The preliminary examination is considered from an objective and microscopic point of view. In the final stage of the loan process, the information is quite complete, but the final stage is more complicated and sometimes needs to be reviewed by a loan review meeting. The last stage is considered from a macro, comprehensive and legal perspective. < < br > > The examiner mainly reviews the integrity of the data in the document and makes a second telephone verification. Investigate the authenticity of data, provide the reliability of documents, and give preliminary opinions according to the materials submitted by customers and the credit rating of customers. The final assessor mainly reviews and judges according to the logic and authenticity of the data in the file. Generally speaking, the final decider is a very experienced clerk. Whether there is false information and whether the customer has the repayment ability can basically be judged.