It usually takes one month for ICBC to approve the mortgage. The processing time mainly depends on factors such as the efficiency of the staff, whether the borrower's materials are complete and whether there are any problems, which may vary from place to place.
Regarding the approval time of ICBC mortgage, it depends on the requirements of local ICBC. If they all meet their loan requirements, the loan approval time will also become very short.
2. How many working days does it take for ICBC loan to go through the formalities and release the loan?
The time for ICBC to lend money will be different due to various factors, such as the type of loan, the applicant's credit status, whether the materials provided by the applicant are complete and so on. Generally speaking, from the beginning of the formalities to the loan, you need to go through the following steps:
Fill in the loan application form and submit the required materials, such as ID card, work certificate, income certificate, etc.
The bank examines the information and credit records provided by the applicant and conducts credit approval;
Sign a loan contract and provide the required guarantee or collateral;
Confirm the purpose of the loan and complete the loan procedures.
Generally speaking, the whole process takes 3- 10 working days, and the specific time will vary according to personal circumstances and bank review process. Some loan types (such as personal micro-credit loans, credit card installment payment, etc.). ) It may be faster, and it may only take 1-2 working days. However, for loans with a large amount, it takes longer to review the loan.
It should be noted that when applying for a loan, it is necessary to plan the purpose of the loan in advance and try to prepare all the required materials so as not to delay the examination time. At the same time, make a reasonable financial plan to avoid excessive borrowing, so as not to cause unnecessary pressure on personal finance.
Third, ICBC used second-hand housing loans to lend money to the family. What are the procedures for going home?
It takes about one month to one and a half months from applying for a loan to lending from the bank.
Did you sell the house through an intermediary? If there is, the intermediary will inform you!
If not, the bank will call you directly!
When lending money, take your passbook with you!
Both the buyer and the seller's husband and wife have to go over and sign!
Now all you have to do is wait for the notice.
You can leave me a message if you don't understand.
Four. ICBC mortgage lending time
First of all, answer directly.
As far as ICBC official website is concerned, ICBC does not have a fixed time to lend money, and the bank will make a comprehensive evaluation based on the borrower's personal comprehensive qualifications.
Second, the specific analysis
Generally speaking, the higher the personal comprehensive evaluation score, the faster the borrower will pass the loan approval.
After the loan is approved, it is natural to wait for the loan as soon as possible.
ICBC sorts the loans not according to the time of applying for loans, but according to the time of passing loans.
Suppose A applies for a loan in June 1 and B applies for a loan in June 15.
A personal qualification is poor, and the information submitted is not clear. B's personal qualifications are very good and the information is well prepared.
Judging from the actual situation, B's loan application will be passed earlier, and B will wait for the loan notice from the bank faster.
In addition to overdue, bad long-term loans will also be included in the online loan blacklist. Specifically, you can check your long-term loan. Recently, multi-head lending is mainly the application of individuals in lending institutions. I suggest that you slow yourself down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.
Third, how long can I get the purchase contract after the loan?
Under normal circumstances, the borrower can go to the bank to get the house purchase contract within 3 working days after receiving the loan notice.
However, it should be noted that the contract needs to be filed with the Housing Authority in order to be complete.
Generally speaking, a complete purchase contract is made in quadruplicate: two for the developer, one for the housing management department and one for the buyer. But if the buyer wants to apply for a bank mortgage, he needs to add another copy to the mortgage bank.