In recent years, the financial industry has developed rapidly, and many people have applied for various loan businesses. What everyone is most concerned about is the time for the next payment of loans. Let's briefly introduce it today. I hope that you will not take detours and prepare in advance, and the next payment will be faster.
1, select a bank
Because we need to inspect in advance, we don't just choose a bank to go, so we'd better consult some banks first and compare the three. However, everyone should pay attention to the fact that you should never sign the Letter of Authorization for Credit Inquiry and let the bank pull the credit, so that many people will spend their own credit, which may lead to the failure to lend money (including banks that have been approved before) if the number of credit inquiries exceeds the standard.
2. Review
To apply for a loan, you need to submit a series of documents. The more complete you are, the earlier the bank will start the examination. Most banks need 3~ 14 days from the customer's input to the approval, a few banks only need 1 day, and some banks even need one month.
If the review time told by the bank is too long, you can consider applying to other banks at the same time, because after one month, your application may be rejected, some banks can continue to apply, and some banks will refuse, which will delay the time.
3. Sign loan agreement, mortgage with the same loan, and lend money.
Generally, the normal cycle of business mortgage and consumer mortgage is 7~ 14 days from issuing approval, signing contract, knocking mortgage and lending. Mortgage loans take a long time, some as long as several months.
Every bank has different policies, and some banks will delay the lending cycle after the results are obtained. At this time, we should go to the bank to communicate face to face. If the business loan is delayed for too long (for example, it will not be lent after the approval 1~2 months), we can guarantee our legitimate rights and interests by complaining, suing and changing banks in time.
How long does it usually take for a large enterprise loan to arrive?
Large enterprise loans will generally arrive within 15 working days, and no later than 25 days. It should be noted, however, that when the loan has been approved, banks will be more cautious in approving large loans from enterprises than ordinary people, and more information will be inspected. In addition to business license, tax registration, etc., we will also check the running of public bills and payroll bills. In general, it takes about 15 working days for banks to approve loan applications for corporate loans.
How long does it take for Tianjin Agricultural Bank to review corporate loans?
Generally, the audit time of corporate loans of banks is about one to seven working days.
1, basic loan approval 10 working days, different loan methods, approval time are also different. 2. If the loan has not been approved, please go to the bank in time to check whether there is a shortage of parts or there is a problem with the qualification. If the loan has not been approved, it may be that the bank's loan balance is insufficient this month, and it will be arranged until next month. 3. The time for approving online bank loans depends on the materials prepared by the applicant and my own economic situation, and the loan application business is different. Normally, if you apply for an ordinary online bank loan, you can make the payment within one month at the longest. If you are in a hurry, you can call the bank appropriately to urge you. 4. Different loan methods also mean different audit methods, and the audit time still needs to be consulted clearly to avoid delaying the loan time.