Personal advice:

The loan amount you mentioned is generally the personal housing loan amount. For agricultural banks, the loan amount of agricultural banks in different regions is different. This means that you first need to determine whether the loan of ABC has a quota, and then you need to determine the lending area of ABC. At the same time, you can also choose to ask other banks' mortgage problems at the same time, because not every bank has relevant mortgage credit lines.

If you haven't confirmed the loan situation of personal housing loan, I suggest you don't pay the deposit reservation first, because it is likely to cause economic disputes. If you can't borrow money from the bank normally, it will be difficult to return your deposit, which will cause unnecessary trouble at this time.

Bank loan time:

Generally speaking, it takes a month or so for commercial banks to lend money. If ABC is slow, some users have been waiting for 2-3 months, so it depends on the actual situation. Since there are strict proportional restrictions on bank mortgage lending, it is necessary to wait patiently for the next time after lending, so users are advised to keep their personal credit and wait for the notice of bank lending.

When banks examine users' mortgage applications, they mainly look at users' credit information, work income and running water, and judge users' repayment ability and credit from the information provided. Therefore, we should maintain good qualifications and credit. At the same time, * * * borrowers who jointly apply with users also need to have good credit standing and can't have obvious stains and bad behaviors.

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.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.