Bian Xiao of this station replied:
It takes about a month to borrow 50 thousand from the bank. If the applicant submits complete application materials, the approval time is about 15 working days. It takes about a week to release the loan after approval, plus other detailed operations, so it adds up to about one month.
If you go to a bank for a loan, each customer's situation will be different because it involves evaluation, mortgage registration and other links. Please contact the loan handling outlet or loan account manager directly for confirmation. The approval time of bank loans will also be affected by peak season and low season. If it is the peak season, the loan approval will be slow, while in the off-season, due to the small number of applicants, the approval speed will be accelerated accordingly. Be prepared in advance, submit complete and true materials, and there is no problem with personal credit information, so the loan speed will be much faster.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Generalized loans refer to loans, discounts, overdrafts and other loan funds. Through loans and monetary funds, banks can meet the needs of society to expand reproduction and supplement funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The emergence of loan risk often begins at the stage of loan review. From the disputes in the comprehensive judicial practice, we can see that the risks in the loan review stage mainly appear in the following links. The audit content and the omission of the bank loan examiner cause credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not conduct due diligence, and loan examiners often only pay attention to the identification of vouchers, but lack due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. Many wrong judgments are caused by banks not listening to expert opinions or professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
The "three principles" of loans refer to safety, liquidity and efficiency, and are the basic principles of loan management of commercial banks. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses, and conduct self-discipline management in accordance with the operating principles of safety, liquidity and efficiency.
1. Loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize the loan quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Interest is the basis of bank's continuous operation. For example, if long-term loans are issued, the interest rate will be higher than that of short-term loans, and the income will be good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, "three-sex harmony is necessary, so that there will be no problem with loans."
I want to borrow 50 thousand yuan. How soon can I get the loan?
1. Prepare materials, including proof of identity, marital status, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on. 2. Fill in the application form, and the applicant will put forward the demonstration requirements to the loan guarantee recommendation institution or business experts with the business plan. Those who pass the demonstration can apply for the Commercial Loan Application Form. 3. After being recommended, the recommendation institution shall organize experts or relevant personnel to demonstrate the application project. If it meets the requirements of the opening loan, it shall sign the recommendation opinion in the recommendation column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant. 4. Identity confirmation: The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account for Loan. 5. If the bank accepts the loan, the applicant shall submit a loan application to the acceptance point of the designated bank with the Application for Opening an Account for Entrepreneurship Loan signed with recommendation opinions and identity confirmation opinions, and provide relevant materials. 6. After the loan is audited, the bank shall make a loan audit opinion within ten days from the date of acceptance, and fill in the comments in the bank audit opinion column of the "Application for Opening a Loan" and submit it to the opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions. 7. After handling the loan and accepting the bank's opinions on the loan guarantee, you can handle the lender's personal guarantee procedures and loan procedures in accordance with the requirements of the bank's credit rules and regulations within five working days. Venture loans are mainly incentive loans for local college students and individuals. The general interest rate is low. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability. The term of venture loan is generally 1 year, and the longest is no more than 3 years.
I want to borrow 50 thousand yuan. How soon can I get the loan?
I want to borrow 50 thousand yuan. How soon can I get the loan?
Under normal circumstances, people with poor personal credit information cannot apply for bank loans or access Internet loan products on the credit information platform. Even some ordinary and regular online loan products are difficult to apply successfully and will be directly rejected. You can try to apply for some mortgage loans or secured loans. When you can provide collateral for mortgage, the role of credit reporting is not so great. However, the amount of mortgage loan will be affected by the value of collateral. Usually, you can only apply for a higher amount if you use real estate or automobile property as collateral. Apply for some online loans that are not strict with credit information requirements or have no access to the credit information system. However, in this case, it is suggested to investigate the loan platform first to avoid falling into formal loans.
Through third-party guarantee institutions: third-party guarantee companies have long-term cooperation with major banks and are familiar with the bank's loan process and requirements. Therefore, more and more people will choose to apply for bank loans through third-party guarantee companies. If the credit information is not good enough, find a third-party guarantee company and ask it to specify a suitable loan scheme to provide you with guarantee services. This will help to deal with it. Usually the loan pass rate will be much higher. Choose a bank with low credit requirements: Many people want to know how the requirements of banks can be low. But in fact, banks are also classified. State-owned commercial banks, joint-stock commercial banks and local commercial banks. Different banks have different requirements. In the case of poor credit reporting, state-owned commercial banks need not consider it. Joint-stock commercial banks depend on which bank. Powerful people, such as Ping An Bank, will be more talkative. If the credit is good, you can also get a loan. To put it bluntly, local commercial banks are actually "small loan companies under the guise of banks". The requirements are generally lower than other banks, but it should be noted that the interest rate will be higher.
Apply for a mortgage loan: If your credit information is not good, you can also solve it by replacing the loan product. General credit loans have higher requirements for credit reporting. In this case, we can choose another way to mortgage the loan. Mortgage loans can be secured by mortgage, and the personal qualifications of borrowers can be relaxed appropriately. However, it is very important to choose collateral. Generally choose collateral with high value and strong liquidity, such as real estate.
I want to borrow 50 thousand yuan. How soon can I get the loan?