To apply for a loan through the online banking of China Agricultural Bank, you can check the application progress, enter the personal online banking, click on the personal loan application progress, follow the prompts, or consult the workers. You can go to the business outlets or the counter for consultation.
Second, how does the Agricultural Bank inquire about mortgage approval?
Generally, it takes about 45 working days from application to loan, and the specific time is subject to bank loan.
The mortgage application process is as follows:
1, preparation materials:
ID card (original), household registration book (original), marriage certificate (original) (single person does not need to prepare), bank flow in the past six months, social security card (which can better help the lender to obtain loans), and proof of work income (bank-specified format, company official seal).
2. Buy real estate:
If the property supports bank mortgage business, the sales office will generally have bank staff to handle or contact the developer to apply for loan business and submit information.
3. Pending preliminary review:
The general sales office will have a special person in charge to conduct a preliminary review of the materials to verify whether they are comprehensive and conform to the regulations, and the lender can cooperate with the preparation of the materials or confirm them.
4. Waiting for review:
After the bank receives the application from the buyers, it will arrange the Commissioner to conduct telephone audit and investigate the real situation.
5. Bank results:
After the approval of the bank is clear, the lender passes the approval, and the bank issues the mortgage loan agreement and other related documents. If it fails to pass the approval, the loan will fail. You can apply again after checking the reason and solving the problem.
6. Sign a contract:
After obtaining the consent of the bank, the lender will sign a house purchase contract with the developer with relevant information, and the developer needs to prepare relevant documents (real estate license, etc.). ) and hand it over to the bank for safekeeping.
7. Loan and account opening repayment:
After verification, the bank will transfer the loan amount to the cooperative account with the developer, and designate the lender to open a special repayment account, sign an authorization agreement and make repayment.
Note: If the property buyers are self-employed, the work income certificate will be changed to business license.
3. How to inquire about the loan progress of ABC?
1, browser search agricultural bank.
2. Click on official website of Agricultural Bank of China below.
3. Click on the loan in Personal Service.
4. Click Application Progress.
5. Fill in the certificate information, mobile phone number and mobile phone verification code, and click Query to see your loan progress.
The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).
Property buyers fill in the mortgage loan application form to the loan bank, and provide ID cards, income certificates, housing sales contracts, guarantees and other documents that must be submitted according to legal documents. The loan bank promises loans to the buyers after passing the examination.
And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.
4. Inquire about the approval progress of agricultural bank mortgage issuance?
I. Personal online banking inquiry
1. Enter the Agricultural Bank of official website first.
2. Then click Personal Service on the navigation.
You can see the loan progress inquiry on the left.
4. Fill in the ID card information. After the ID card is entered, fill in the mobile phone number left when applying for a loan. Then the phone will receive a 6-digit verification code. Enter and click Query!
Second, telephone banking inquiry
Applicable customers: registered accounts and self-registered accounts of individual registered customers and individual self-registered customers.
Menu navigation: 1 query -3 loan query-1 loan information query /2 query repayment details by date /3 query repayment due in the next period.