The specific arrival time is related to the loan method and the loan bank. If it is a commercial loan, it usually arrives within 25 working days. If it is a municipal provident fund loan, it usually takes 15-20 working days to arrive, and the state-run provident fund will take 6 working days to arrive.
Second, how long can mortgage banks generally lend money?
Generally, the mortgage loan is completed within one to two months after the approval, the customer signs the loan contract and goes through the mortgage registration formalities. Of course, sometimes things will be delayed, for example, banks are short of funds, so loans may be delayed, for example, it will take three or four months to lend money. Everyone needs to pay attention. If the loan has not arrived after five or six months or even more than half a year, it is recommended that the customer take the initiative to contact the bank customer service for consultation to see what is going on, whether the loan failed and the mortgage was rejected. If there is no problem with the real estate developer and my credit status is good, customers can appropriately urge the bank to slow down the loan and make a complaint. Of course, in the face of tight bank quota, customers have no good way to solve it, so they can only wait patiently. If you really can't, you can choose to give up, then check out and refund the down payment; Or another bank can reapply. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank. Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. The loan object should be a natural person with full capacity for civil conduct. The borrower must meet the following conditions at the same time: having a permanent residence in the town or a valid residence status; Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; There is a purchase contract or agreement; Do not enjoy the purchase subsidy of not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases; There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors; Other conditions stipulated by the lender. There are two main ways to withdraw the loan: direct withdrawal: after the loan contract comes into effect, the borrower will directly transfer the borrowed money into his deposit account opened in the loan bank according to the payment plan agreed in the contract. Special withdrawal: after the loan contract comes into effect, the borrower entrusts the loan bank to transfer the loan to the deposit account opened by the selling unit or developer in the relevant bank at one time or in installments according to the time stipulated in the loan contract. Borrowers who take special withdrawal methods must provide relevant contracts to the lending bank when withdrawing money. Agreement payment notice and other documents. Housing provident fund loans should take the form of special extraction. Apply for process loan: the customer fills in and submits the application form and application materials designated by CCB. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation. Loan approval: CCB approves loans. Signing a contract: after the customer's loan is approved, sign a loan contract with CCB. Loan issuance: CCB will issue loans after meeting the requirements. Customer repayment: the customer repays the loan on time as agreed. Loan settlement.
Third, how long does it usually take to get a house loan?
Hello, private lending institutions usually pay within three to seven working days, and banks usually need about one month.
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4. How long does it usually take for the Agricultural Bank to agree to lend money?
If the information is complete,
The whole mortgage approval will be completed in about 1-2 weeks.
After the examination and approval, you need to go through the mortgage formalities.
It takes another 1-2 weeks,
It can be completed within one month at the latest.