It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage; Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete. Commercial loan: (1) The borrower's professional income certificate is the same as that of * * *; (2) Purchase contract or agreement.

I. Commercial loans

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.

Two. Problems needing attention in commercial loans

1. Submit a loan application: When you have signed a house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.

Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.

2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month.

During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower, etc. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.

4. Both parties shall go through relevant formalities: the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.

5. Bank loan: After all loan procedures are completed, the bank transfers the loan funds to the account of the real estate developer, and the loan relationship is established, and the lender repays the loan according to the regulations.

How long does it usually take for a credit loan to be released?

The fastest credit loan can be issued on the same day. Sometimes, because the number of people applying for loans is relatively concentrated, it may take a few more days, usually not more than three days.

Conditions for applying for a credit loan:

First, if the credit rating of corporate customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of commercial banks;

Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;

3. The enterprise promises not to set mortgage (pledge) or provide external guarantee for others with its effective operating assets, or obtain the consent of the lending bank before handling mortgage (pledge) and providing external guarantee;

4. The operation and management are standardized, and there are no bad credit records such as debt evasion and default on interest.

: materials required for credit loan

1, first of all, you must have a valid identity document, provide a household registration book, and have full capacity for civil conduct;

2. Have a stable job and a good income. If you receive your salary by bank transfer, you need to provide the running proof of your salary card within six months from the loan date;

3. Unmarried persons submit unmarried certificates, and married persons submit information about their spouses and family members;

4. Have a fixed account in the bank applying for the loan.

These four items are the most basic information. Because everyone applies for different institutions, in addition to the above basic conditions, each financial institution will also meet some relatively specific terms of its own institution, which depends on the conditions of different institutions, so please ask friends with loan needs to know from the specific institution you choose, fill out the prescribed form, and submit it to the lending institution you choose when the above conditions are met. The next time is waiting.

The most fundamental difference between credit loan and mortgage loan is that the former is a lending behavior based on your social credit and financial situation. The latter is a lending behavior with your inherent assets as collateral. Credit loan banks face the greatest risks. Generally, credit loans are granted by well-known companies and only by people with certain status and income.

How many days can the credit loan come down?

Question 1: How many days can the credit loan be repaid? If the information is complete, it can be paid within 3-5 working days.

Banks handle almost all credit loans, mainly based on personal qualifications. The better the qualification, the easier it is to approve.

Conditions for applying for a credit loan:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

Question 2: How long does it take to apply for a personal credit loan? Generally, it takes 1-5 working days to lend money.

Unsecured credit loan information:

(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information;

(2) Provide stable address, housing lease contract, utilities, property management and other related information;

(3) provide a stable source of income, bank running list, labor contract, etc.

Question 3: How long does it take to approve the credit consumption loan? If it is a credit consumption loan, the loan approval time is very short, generally 1-2 working days.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 4: I have a credit card. How many days can I get a loan? If it is China Merchants Bank's credit card E, I will apply for E-loan before 16:00, and the money will usually arrive on the same day. /kloc-I will apply for an e-loan after 0/6: 00, and the money will usually arrive at around 8: 00 the next morning.

Question 5: How long does it take for rural credit cooperatives to issue loans? The lending time of rural credit cooperatives' loans is related to factors such as "their own credit line, whether the borrower's loan procedures are complete and the purpose of the loan".

Generally speaking, if the credit line of rural credit cooperatives is loose and the borrower's loan procedures are complete, it will take about seven working days to lend money;

However, if the credit line of rural credit cooperatives is tight, the lending time will be delayed, and it is normal to get the loan funds after 1-3 months.

Question 6: How many days can the credit loan be repaid? The lending time of each company is different. Some companies can lend money in two or three days. The basic information is as follows

1. Submit original materials. Review 3. Sign a loan contract. Then borrow money!

Preparation materials required by customers

：

1. New version of the second-generation ID card (original)

2. Household registration

3 credit report

4. The bank statement stamped with the official seal of the bank for the last 6 consecutive months;

5. Work certificate; (Company seal certificate \ labor contract \ work card \ payroll, provide one of them)

6. Proof of address (real estate license or rental contract) (one of the bills of water and electricity charges in the last 2 months or (receipt of property management fee);

7. Other asset certificates that can increase the loan amount.

8. Marriage certificate

Friendly reminder: 1. I or my spouse have assets (real estate, vehicles, securities, etc.). ) in their name, and the loan amount can be increased.

Question 7: How long can the personal credit loan be repaid? General bank personal credit loans can be repaid within half a month.

Question 8: How long does it take for ICBC's online credit loan to be submitted for approval? It takes about a month.

I hope I can help you. If your problem is solved, please adopt it. Thank you.

Question 9: How long does it take for a personal credit loan to be released in 3-5 days? You can apply at the local bank.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 10: How soon can I get the personal credit loan from ICBC? 1. If it is a credit loan application submitted now this year, it may take a little longer than usual.

2. Generally, it takes about 4-6 days to inquire, collect data, investigate and report the loan approval application at the branch level (excluding weekends), and it takes 2-3 days to verify the data and approve the loan at the branch level. Generally speaking, the loan can be repaid in about 10 days.

This year, the national credit policy is strictly controlled, and banks are gradually reducing the scale of personal credit loans. If your credit loan has no result after 15 days, you should call the account manager to ask about the loan approval.

How long does it usually take for CCB commercial loans to be released?

Due to the differences in the process of different loan products after approval, such as whether the mortgage or guarantee is completed, the loan handling bank will inform the customer in time after the loan conditions are met, and ask the customer to maintain smooth communication. The specific lending time can be confirmed by contacting the handling bank. If you need the contact information of the loan handling bank, you can inquire through the "Personal Loan Network" function at the lower left of the "Deposits and Bank Cards" menu on the homepage of CCB official website, or follow the official WeChat account of "Customer Service of China Construction Bank" to enter the "Personal Loan Network".

(In case of business changes, please refer to the actual situation. )

How long will it take for the loan from Rural Commercial Bank to come down?

The time required for rural commercial banks to handle personal loans is mainly related to the types of loans handled by borrowers. If the borrower applies for a personal credit loan in a rural commercial bank, it will take about 15 working days from application to loan. If the borrower applies for a personal mortgage loan in a rural commercial bank, it will take about 25-30 working days from application to loan.

To apply for a bank loan, you need to prepare materials:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

Extended data:

The personal loan process of rural commercial banks is as follows:

1. For the loan application, fill in the loan application form and submit the information.

2. The borrower's credit rating can be independently assessed by the lender, can be mastered internally, and can also be assessed by an assessment agency recognized by the competent department.

3. Loan investigation: After accepting the borrower's application, the lender will investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.

4. When approving the loan, the lender shall establish a loan management system that separates the loan review from the grading approval.

5. Sign a loan contract. All loans shall be signed by the lender and the borrower.

6. Loan issuance: The lender shall issue the loan on schedule as agreed in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.

Personal loan type:

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

Second, personal automobile consumption loans.

Third, personal durable consumer goods loans.

Fourth, personal commercial loans.

Verb (abbreviation of verb) personal valuable document

Intransitive verb personal micro-loan

Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.

Seven, personal non residential mortgage loans

1. installment loan

2. One-time repayment of loans

3. Credit card loan: A credit card refers to any card, disk and other tools that can be used to borrow money or purchase goods and services in the form of credit at any time and repeatedly.