General bank loans will be completed within one week after the loan is approved. If it is a mortgage, it depends on whether the current bank lending funds are tight. If funds are tight, it may take 1 month or even longer to lend money. With sufficient funds, the loan can be completed in a week or two.
In addition, the lending time of different loan products is not necessarily, such as credit loan business, which can be completed on the same day at the earliest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
How long can I lend money after the house loan is approved?
How long does it take to lend money after the bank approves it?
Generally speaking, if it is not a large loan such as mortgage, after the borrower provides the loan application, the time from loan approval to loan issuance will not exceed 15 working days.
Credit loans, in particular, can generally be completed on the same day. If it is a car loan or mortgage loan, the loan will generally be completed within 15-20 working days.
If it is a mortgage, the lending time is not necessarily.
After the borrower submits a mortgage application, the bank collects the borrower's personal data, writes a loan application report according to the bank's credit application template, and reports it to the branch for approval after being approved by the branch president. This time will take about 1-3 days.
After the borrower's information reaches the branch, there are still two links to go: review and approval.
The review process takes a long time, usually several days. Because auditors need to check whether the loan information is wrong one by one, such as why the bad records on the credit report are generated, and whether the income situation and salary flow are correct.
If any information is missing or inconsistent, the borrower shall submit supplementary explanations.
The approval process is generally fast, which takes about 1-2 days.
It takes about 15 working days after the approval of the branch. After that, the bank needs to apply for mortgage registration, which takes about 7 days.
Finally, the bank needs to face the borrower face to face, which takes a day. After the face-to-face signing is passed, the bank will generally lend the loan funds to the third-party account within 7 days. When lending money, banks usually send text messages or call to remind them.
If the borrower applies for a provident fund loan, it will take longer to lend because it involves the approval process of the provident fund center. Provident fund loans generally take 2-3 months from approval to lending.
Generally speaking, when approving loans, bank loan approvers will put forward some additional requirements according to the actual situation of users, and banks will only lend money after users need to implement relevant conditions.
Before applying for a loan, the borrower can check whether there are overdue records in his personal credit report and whether the bank's running water meets the loan requirements within six months.
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How to eliminate the number of personal credit inquiries?
No one can delete the credit record, and it will be automatically deleted from the credit report only when the time is up. Among them, bad credit records need to be eliminated after 5 years of bad behavior termination; Query records only show the records in the last two years, that is, each query record is pushed back two years according to the query time, that is, the time when it was eliminated.
But it doesn't mean that the borrower can't apply for a loan before the inquiry record is completely eliminated. As long as it takes about 36 months to properly maintain the credit information, if there are no new inquiry records, no bad credit records and good personal repayment ability, most lending institutions will still recognize the qualifications of borrowers.
How long does it take to approve the loan?
There is no uniform regulation on the time of loan release after loan approval, and the loan can be released within three days at the earliest. If the bank loan amount is not enough, it is also possible to wait for one month. If the user waits for a long time, he can call the bank or ask the manager who handles the loan business, and usually he can get an accurate answer.
In fact, different loan types have different lending time; For example, the loan speed is generally faster. The speed of mortgage lending is generally slow; After all, the loan amounts of the two are generally quite different; Banks will be more cautious when lending.
It is best for users to consult the bank in advance before handling the loan to find out what conditions are needed for the loan, how much they can borrow and whether they can meet their personal needs. It is best to consult several companies before handling and find the one that suits you best.
After the loan, the user must repay the loan in time according to the contract, and it is best not to be overdue during the repayment process. If it is overdue for many times, the bank has the right to ask the borrower to pay off all the debts in advance; The overdue records of users will be uploaded to the credit information center, and all kinds of financial services will be affected in the future. When handling a loan, you should choose the repayment time according to your actual situation. Strong ability can shorten the repayment time.