Going to the bank to apply for a personal housing loan is the only way for most people to buy a house now. After all, house prices have been high. For many ordinary people, it is not very likely to save money to buy a house in full. A friend asked, when is the lending time of Bank of Communications 202 1? Generally, it will not exceed this time!

When is the lending time of Bank of Communications 202 1?

After consulting the staff of Bank of Communications, I learned that Bank of Communications in first-and second-tier cities has slowed down the pace of mortgage lending. Especially in the first-tier cities such as Beijing, Guangzhou and Shenzhen, it generally takes about 1 month for the lender to get the approval result after applying for a mortgage in Bank of Communications.

Lenders want to wait until the mortgage loan, generally need to wait 1-2 months or so. If there is no problem between the lender and the developer during the loan waiting period, the lender can wait until 3 months later at the latest. If the bank's quota is insufficient or affected by other policies, the lending time is not fixed.

If the lender applies for other loans from Bank of Communications, such as car loans, decoration loans, personal consumption loans, etc. Then Bank of Communications is likely to lend money at normal time. After the lender's loan application is approved, Bank of Communications will generally complete the loan within 15-30 working days.

If the lender applies for a provident fund loan in Bank of Communications, the waiting time for the loan may be longer. Because the approval time of provident fund loans is longer, there are more materials to check and the approval process is stricter. Generally speaking, it is normal to wait for half a year or so to get a loan.

The above is the related content sharing of "202 1 Bank of Communications Lending Time". I hope it will help you!

Bank of Communications has not approved the prepayment of mortgage for 15 working days.

Hello, your application for prepayment needs to be submitted to your loan bank, which will review it. The review time is generally 15 working days. If your application cannot be reviewed within 15 working days, it is recommended that you contact the loan bank to find out the application progress.

It will take a long time for the bank of communications mortgage account manager to enter the next step.

If the submitted application materials are complete, the approval time is about 15 working days, because it involves evaluation and other links, and each customer will be different. The specific lending time can be compared with the handling outlets or local branches.

Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.

Mortgage loan return visit is a link of loan approval. Usually, after the bank receives the customer's loan application, the account manager will conduct a preliminary review of the application. If he thinks that there is something wrong with the application information or application materials of the lender, he needs to supplement the information. At this time, the bank will also pay a return visit to inform the customer to supplement the materials, so it may still be in the preliminary stage.

Of course, this is not fixed, because it may also be in the final stage. The telephone return visit of the bank is mostly to understand the basic situation of the customer and check it again to reduce the possible loan risk. If the bank thinks there is no problem, it will generally not make a telephone call back. Therefore, the return visit to the mortgage is not a necessary operation, but if it is in the early stage, the next step of the return visit to the mortgage is probably the final review.

How long does it take for Bank of Communications to approve the mortgage?

It takes about 25 working days for Bank of Communications to approve the mortgage.

Mortgage loan processing flow:

1, select real estate; Confirm whether the developer's self-built property has bank support to ensure smooth access to mortgage loans; Apply for mortgage loan; Sign a house purchase contract. Upon examination, it is confirmed that the purchaser meets the mortgage loan conditions, and a loan consent notice or mortgage loan commitment letter is issued to the purchaser; The buyer may sign a pre-sale and sales contract with the developer or its agent; Sign a house mortgage contract.

2. Clarify the rights and obligations such as the amount, term, interest rate and repayment method of mortgage loan; Handle mortgage registration and insurance. Under normal circumstances, due to the long term of mortgage loans, banks will require buyers to apply for personal and property insurance to prevent loan risks; Open a repayment account; After the loan goes through the relevant formalities, it will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the buyer; The borrower shall repay the loan regularly as agreed in the contract.

Mortgage repayment methods: according to repayment methods, there are two types: equal principal and interest repayment methods and equal principal repayment methods.

1, matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

2. The repayment method of equal principal is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large initial principal and the large initial repayment amount, the subsequent time is decreasing every month. The advantage of this method is that the interest expense is reduced due to the large repayment amount at the beginning, which is more suitable for families with strong repayment ability.

3. Debt service method is also called monthly average method. The repayment speed of the principal is slow, and the repayment pressure is light, at the cost of overpaying the total interest. Compared with the repayment method in average capital, the total interest difference is not obvious in the short and medium term (1-5 years), but only different in the long term (20-30 years). Whether equal principal repayment is equal principal repayment or not, the calculation method of interest in each period is the same, which is equal to the remaining principal multiplied by the monthly interest rate. What repayment method to choose depends on the individual's repayment ability. Don't choose the principal repayment method just because the total interest paid is small. In practice, many people still choose the repayment method of equal principal and interest.