1. How long does it take for a bank to review its qualifications if it wants to borrow a credit loan from Guangzhou?

The approval of credit loans varies from bank to bank, ranging from 1-3 days fast to 1 month slow, and most banks take 1 week. Find different banks with different qualifications. If you have provident fund social security, You can know the result on the same day.

Second, how long will it take to approve the Nanjing provident fund loan? 222

How long will it take to approve the Nanjing provident fund loan? 222, applicants must have a provident fund payment record for six consecutive years or more than one year, and applicants are qualified to apply for the provident fund loan. How long does it take for Nanjing provident fund loan to be approved? 2221

Generally, the application for provident fund loan will not be approved until 7 working days after the materials are submitted. After the approval, it usually takes 1 to 2 working days to release the loan, and it usually takes about days to make the payment.

provident fund loans are different from ordinary loans, and there are relatively many procedures and processes for review. When will Nanjing provident fund loans be released?

reconsideration), it will take 7 working days to pass the examination and approval after submitting the materials.

2. after the approval, the transfer transaction is required, and the loan will be released in about 7-1 days after the transfer transaction is completed.

3. If the property with bank loans is bought and sold by means of fund supervision, can the provident fund loan be directly paid into the fund supervision account after approval, regardless of the loan that the original house put into the fund supervision account first?

provident fund loans don't mean that there is a limit on the amount of provident fund loans. Different regional restrictions are subject to the policies announced by different centers. Generally, the personal amount of provident fund loans is lower than that of two people.

Therefore, when the amount of provident fund loans is not enough, users can reach their own loan amount by applying for portfolio loans. Portfolio loans need to submit more loan information, so it will take longer to review and speed up lending. Generally, commercial loan interest may be more favorable than provident fund loans. How long does it take to approve the Nanjing provident fund loan? 2222

The interest rate of Nanjing provident fund loan is subject to the interest rate of the provident fund loan stipulated by the People's Bank of China.

One-year loans are subject to one-time repayment of principal and interest at maturity. The interest rate is not adjusted during the loan period. Provident fund loans with a term of more than one year are subject to annual adjustment, and new loans are subject to the new interest rate. For loans that have been processed, the annual interest rate is 2.75% if the term is 1 to 5 years according to the corresponding interest rate range

from January 1 of the following year;

if the term is more than 6 years (including 6 years), the annual interest rate is 3.25%.

to purchase a second ordinary house (meeting the application conditions of provident fund loan): the loan interest rate is 1.1 times of the benchmark interest rate of housing provident fund loan.

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families with two or more houses can't apply for provident fund loans under the following circumstances.

In Nanjing, employees who purchase office buildings, commercial buildings, villas and other non-residential buildings must have all property rights and part of the property rights with mortgage (except for affordable housing with property rights) and are non-state-owned land cannot apply for provident fund loans. How long does it take to approve Nanjing provident fund loans? 2223

Nanjing provident fund loans can be used twice to buy a house. If the borrower and spouse have already applied for the provident fund loan, neither party can apply for the provident fund loan again before paying off the principal and interest of the loan. After the borrower pays off the principal and interest of the loan, he can apply for a provident fund loan again if he meets the conditions. The third (inclusive) and above applications for provident fund loans will not be accepted.

When calculating the number of family or individual provident fund loans, the following four situations are combined:

1. The number of local and off-site provident fund loans means that the number of provident fund loans is calculated nationwide, and the number of times of using provident fund loans in other places will be included in the number calculation.

2. The number of provident fund loans before marriage means that the number of provident fund loans before marriage is calculated together after marriage. For example, if the husband and wife have used provident fund loans to buy a house once before marriage, the number of family loans after marriage is two, and they cannot apply for provident fund loans again.

3. During the marital status of husband and wife, both husband and wife count the same number of provident fund loans for the same set of housing provident fund loans, which means that they can apply for provident fund loans once for family loans.

4. if the purchased commercial house is returned (replaced) due to quality reasons, the provident fund loans that have been issued have been returned when the house is checked out, and they are not more than one year from the date of loan issuance, the times of provident fund loans are not counted.

What are the requirements for applying for housing provident fund loans

1. Applicants need to have a provident fund account. Generally, the specific payment base and duration can be found in the applicant's salary details. Generally speaking, as long as the applicant pays the provident fund, he will automatically open a provident fund account.

2. The applicant must have a record of paying the provident fund for more than 6 consecutive months or a record of paying the provident fund for more than one year, so that the applicant can apply for the provident fund loan, and at the same time, the payment of the provident fund has not been interrupted. This is an effective means for the provident fund management center to judge the income stability of the applicant so as to avoid risks as much as possible.

3. The applicant's family can only be eligible to apply for housing provident fund loans if both husband and wife have paid off the loans in full and there are no other outstanding loans or bad credit records.

4. The cumulative age of the applicant and the years of applying for loans shall not be greater than or equal to 7 years old.

5。 The applicant must have signed a commercial housing sales contract before applying for the provident fund loan.

3. How long will it take to review the loan qualification?

first, it takes about 15 days from application to loan. If there is a change in policy, the time may be extended to one month. Or the bank is short of funds. At this time, loans may need to be queued and the time will be further extended. In short, bank loans need to be approved for a certain period of time, which is not so easy to lend, and everyone needs to wait patiently. Ii. approval procedures

1. the borrower submits the loan application and related materials to the bank, such as ID card, household registration book, income certificate, marriage certificate, etc.

2. The bank will conduct a pre-lending survey on the customer's relevant information, and at the same time determine the bank's credit line, term, interest and guarantee method, and then the account manager can write an investigation report;

3. After the account manager has written the investigation report, all the customer loan information will be submitted to the risk control department for review, and the risk control department will evaluate the risk of this loan, and finally pass the review, or propose amendments to inappropriate places;

4. After review, the loan needs to be submitted to the bank president for approval, and the loan contract can be signed after approval;

5. Finally, the loan review is to see if there are any irregularities in the previous review process, and if not, the loan can be successfully released.

4. How long does it take for the bank to review the loan information?

The time for banks to review loan information is not fixed, some only need one or two days, while others may need one month or more. Different loan products and different banks need different time to review loan information at different time periods.

in order to shorten the time for the bank to examine and approve the materials as much as possible, the materials submitted by the lender must be detailed and meticulous. If you have any questions about the loan, you can also communicate with the loan bank in time to see where the loan has gone. Generally, just wait patiently.