About a week.
Generally, after the contract with complete information is signed, the approval period is about 10 days, then the mortgage registration minutes are about 1 week, and the final loan is about one week. After the mortgage is approved, the bank will call you and tell you when to go to the Housing Authority for mortgage registration. After the mortgage is completed, the bank will issue the loan to your receipt card within 2 working days.
Extended data
The Measures for the Administration of Individual Housing Loans have corresponding provisions:
Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower as required.
After the application for housing provident fund loan is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract.
Loan to buy a house in Panyu, Guangzhou, and transfer ownership next Monday. How long after the transfer, China Bank will lend the money to the seller, thank you.
After you apply for a loan in our bank, you need to approve the loan and complete the preconditions (such as mortgage registration) before you can lend money. So I suggest you contact the account manager who handles the loan directly.
The above contents are for your reference. Please refer to the actual business regulations.
How does China Bank issue personal business loans?
Personal business loans issued by China Bank:
After the loan is approved, the handling bank will personally sign a loan contract with you, and complete all loan approval conditions according to the approval conclusion, including the implementation of effective guarantee registration, and submit it to the loan auditor of the tier-one branch for review. Lending can only be made after approval.
Due to differences in business in individual regions, please enter the online customer service manual service or contact the nearest China Bank outlet for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
The loan from China Bank has been approved. How long does it take to lend money?
After the approval of the bank, the loan can be released within 15 working days.
Under normal circumstances, bank loans will involve evaluation, mortgage registration and other links, and the time for each applicant to obtain loans will be different. If you want to know the specific loan date, it is recommended to call the bank account manager, who will tell you the specific loan date.
You can query according to the following steps:
① Log in to the personal homepage of the bank and click on the loan progress query under My Loan Option;
(2) Select the inquiry type customer, select the certificate type, enter the certificate number and customer name, and click Inquiry; (3) The page displays the customer application information and the current application progress of the customer loan under the current progress column;
(4) Put the mouse on the current progress bar of a loan, and you can see the loan progress display bar of the loan.
1. What is the process of early mortgage repayment of China Bank?
① The borrower shall call the customer service telephone number of China Bank at least half a month in advance to make an appointment for prepayment through manual customer service.
(2) Then, the borrower brings his valid ID card, loan contract and other relevant information to the counter of China Bank's business outlets to formally apply for early repayment.
(3) With the approval of China Bank, the borrower can go through the relevant formalities in the bank and deposit the prepayment amount into the designated repayment account.
2. What will happen to BOC loans overdue?
If an individual has overdue mortgage, the bank will generally strengthen telephone collection or door-to-door collection, and cannot repay the loan on time for three consecutive times. On the one hand, the bank will default interest, on the other hand, it will report the record to the central bank's credit information system. If it fails to repay the loan for more than six months in a row, the bank will take litigation and other means to collect or even dispose of the collateral.
If the loan is not repaid for more than 6 times, the bank will solve it through legal means. At that time, the bank's lawyer will call you to remind you of the consequences of not paying back on time, during which the borrower's mortgage property will be frozen. Subsequently, the bank will negotiate with the borrower for repayment. If the borrower fails to repay the loan through negotiation, the bank will auction the property through legal procedures, and the guarantor will bear joint liability for recovery.
(3) Can't apply for a loan.
3. Can China Bank Card withdraw money from other banks?
Yes, Bank of China can withdraw money from other banks, but there is a certain handling fee. According to the announcement issued by China Bank official website, cardholders withdraw money from ATMs of other banks in the same city, and each payment is 4 yuan; ATM withdrawals from other banks in different places in the province charge 9 yuan for each withdrawal; Withdrawals from ATMs of other banks outside the province are charged 12 yuan for each withdrawal; Charges for overseas ATM withdrawals 15 yuan.
How long does it take for China Bank to lend a mortgage?
Generally speaking, the loan time is: after the mortgage registration of the house purchase contract in the Land and Resources Bureau, the loan will be released within three working days after it is returned to the bank.
Personal first-hand housing loan requirements:
1. Have permanent residence or valid residence status in China;
2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
3, has signed a contract or agreement to buy housing;
4. Pay the down payment that meets relevant regulatory requirements;
5. Provide effective guarantee recognized by the lender;
6. Other conditions stipulated by the lender.
Loan limit:
The maximum amount of a single loan does not exceed 70% of the value of the house purchased. Where the relevant regulatory provisions change the amount of personal housing loans, such provisions shall prevail.
Extended data:
After the bank issues the loan:
1. After the borrower's loan is approved, the bank will release the loan amount to the developer's account. The bank or developer informs the borrower to obtain relevant documents and repay the loan according to the regulations.
Note: Upon receipt of the loan contract, repayment details and repayment account bank card (discount), the borrower will start repayment on the specified date.
2. Lending of second-hand houses.
The bank shall pay the loan amount to the account provided by the seller within three working days after receiving the copy of the deed tax ticket and the original notice of receipt submitted by the buyer.
3. Precautions:
(1) The seller's account is an account opened by the lending bank.
(2) Upon receipt of the loan contract, repayment details and repayment account bank card (discount), the borrower shall start repayment on the specified date.