Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

Generally speaking, bank loans last for 7- 15 days, provided that customers have good qualifications and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to provide a driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

1. Loans to banks are generally divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

1) has something to do with the bank. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

2) Have a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

3) Let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

How long is the real estate mortgage loan of CCB?

Generally, it takes one to three months for CCB to complete the mortgage loan. Generally speaking, the process of dealing with real estate mortgage loans is complicated and takes a long time. It takes about half a month for CCB to review the applicant and the real estate appraisal report, and then it takes at least one to three months to sign the contract, handle the mortgage, notarize and lend money.

What do you mean by 3.85% interest first, then principal? How long can CCB's mortgage review pass?

CCB's 3.85% mortgage loan refers to the repayment of interest before principal within the specified period, which is aimed at users with excellent repayment ability, while CCB's 3.85% mortgage loan belongs to mortgage loan, so it will have different interest rates from house loans.

What does CCB mean after 3.85% mortgage loan interest?

Interest before interest means that the user pays the loan interest in each installment during the repayment period and pays the principal and interest of the last installment in one lump sum. Because interest before capital requires users to have strong repayment ability and excellent credit qualification, they have the opportunity to choose the repayment method of interest before capital. In addition, if you choose to repay the interest first and then the principal, you can also repay in advance.

Bank loans and some online loans support users to repay interest first and then principal, and the risk of overdue will be slightly greater than equal repayment and equal repayment of principal and interest.

How to repay the 3.85% mortgage of CCB?

Interest is calculated according to the interest formula: interest = principal × interest rate× term, so you should pay interest of 940,000× 3.85 %×1= 36190 a year, and if it is calculated in 365 days, you should pay interest of 36190 ÷ 365 =

This loan product is different from the mortgage loan of CCB. Users can apply for this loan online all the time, and the longest repayment period they can choose is 10 year. The maximum applicable amount is 6,543,800 yuan. If the user's application amount does not exceed 500,000 yuan, it can be directly used for the user's personal account. Of course, the lowest interest rate for this loan is 3.85%.

Before applying, the user needs to provide the borrower and mortgagor's ID card, marriage certificate, business license, real estate license and other related information. After the loan is received, it cannot be used for investment, stock purchase and other channels.

How long will it take for CCB to pass the mortgage loan review?

After the loan is approved, it should be issued in a very short time according to the normal process. Generally, the loan can be released within 7 to 14 working days. However, when the loan is tight, such as the end of the month. Or in a special period, the loan issuance time will be delayed. The specific delay time varies from bank to bank in different regions.

How long does it take for CCB to mortgage a house?

Hello, honeycomb loan to answer.

About half a month, that is, about 15 days. If the time is long, it usually takes about one month, so it takes about 15 days -30 days to apply for a loan at CCB. As for the specific number of days, the bank can't give accurate data. After all, there will be many uncertain and uncontrollable factors from loan application to approval to lending.

How long does it usually take for China Construction Bank to lend money?

It usually takes 15 to 30 working days.

The time flow is as follows:

1. It takes 4-5 days to prepare materials and submit them for approval;

2. It takes 2-5 days to obtain the certificate of other rights through mortgage (the time of housing management bureaus varies from place to place, subject to the local), and the other rights will be issued to the accountant after being obtained;

Lending after 3.2-3 days (lenders often need to queue up, and the time is uncertain).

Answer expansion

I. The specific provisions of the People's Construction Bank of China on adjusting deposit and loan interest rates are as follows.

1. Infrastructure loans in fixed assets loans shall bear interest on an annual basis, excluding compound interest; Technical transformation loans are still paid quarterly, and the interest that cannot be paid quarterly is calculated according to compound interest. The capital construction loan in the special loan of the People's Bank of China bears interest on an annual basis, excluding compound interest; Technical transformation loans are settled quarterly, and the interest that cannot be paid quarterly is calculated according to compound interest.

2. Continue to implement differential interest rates for capital construction bank loans in thirteen industries, such as energy, transportation, communication and raw material industries, as well as industries such as agriculture and salt industry, and implement the relevant provisions of DocumentNo. on adjusting differential interest rates for capital construction bank loans in some industries. State Planning Commission [1989] No.383. See the attached table for the interest rate level. For loans with differential interest rates, annual interest settlement is also implemented, excluding compound interest; For the interest that has been posted, compound interest is no longer calculated.

3. Grain, cotton and oil loans (from acquisition loans to inventory loans, regardless of parity or negotiation) are subject to the same preferential loan interest rate, that is, the annual interest rate is 8.28%. The loan occupied by the grain financial ledger does not raise interest rates (except for misappropriation). Grain loans will not raise interest rates within a reasonable inventory period. The reasonable storage period shall be determined by the food department of the provincial branch of the People's Bank of China. Grain, cotton and oil loans are subsidized by the People's Bank of China at an annual interest rate spread of 0.72%, and the subsidy method remains unchanged. The subsidy will be implemented from1September 2, 9901day (the same below).

4. Loans occupied by foreign trade enterprises with export losses shall be implemented at the annual interest rate of 8.28% for foreign trade export products, and no interest rate increase shall be allowed. The People's Bank of China subsidizes the purchase loans of foreign trade export products at an annual interest rate spread of 0.72, and the subsidy method remains unchanged.

5, the original commercial, supply and marketing cooperatives wholesale station part of the reserve commodity loans by the People's Bank of China at an annual interest rate of 0.72 for spreads, subsidies, subsidies unchanged.

6. The interest rates of one-month and nine-month large negotiable certificates of deposit can fluctuate upward on the basis of annual interest rates of 3.24% and 7.56%.

7. The annual interest rate of special deposits opened by the People's Bank of China in rural credit cooperatives (excluding other financial institutions) has been adjusted from the original one-year 13.05% and half-year 10.08% to one-year1.70% and half-year 9.36%, since this interest rate adjustment.

8. Before1987, the People's Bank of China subsidized the gold equipment loans issued by China Industrial and Commercial Bank and China Construction Bank at a spread of 1.8%.

9. Demand deposits shall bear interest in installments from the date of interest rate adjustment. The interest-bearing methods for time savings deposits of urban and rural residents, time deposits of enterprises, institutions, government organizations, time deposits of various foundations, "two exemptions" family property insurance, life insurance that can be surrendered, retirement pension fund insurance offered by social labor insurance institutions and unemployment insurance for employees are still implemented according to Yinfa [1990] No.65 and No.83 of China People's Bank and Yinchuan [1990].

10, the loan interest rate of individual industrial and commercial households will rise by 20% according to the adjusted working capital loan interest rate.

1 1. The three-month and six-month fixed interest rates of working capital loans should be used within the scope of temporary working capital loans.

12. The adjustment range of deposit and loan interest rates of specialized banks by the People's Bank of China includes non-bank financial institutions.

Data reference

Baidu Encyclopedia "New Loan Rules"

Let's stop here for the introduction of how long it takes for CCB to mortgage.