Many property buyers will give priority to the four major banks when applying for loans. Compared with other banks, the loan quotas of the four major banks are more adequate, and the loan interest rate may be lower. However, the lending speed is not certain, and it may take about 4 months for CCB to lend money. The loan will be directly credited to the seller's account, without going through the buyer, that is, the loan applicant. If there is no loan for a long time when applying for a mortgage, we can also contact the bank customer service for enquiry.
In 20021year, with the implementation of the new mortgage policy, many banks have insufficient mortgage quotas. Even at the beginning of the year, many banks announced the suspension of mortgage business. As one of the four major banks, the number of users applying for loans at the beginning of the year has also increased a lot. Therefore, CCB's mortgage quota has become more tense. In order to relieve the pressure, construction banks in most areas can only postpone the pace of lending.
Especially in Guangzhou, Shenzhen and other areas, many loan applicants reported that they applied for a mortgage in CCB on June 5438+ 10, and waited for five months, but they still didn't wait for the loan. In fact, in the final analysis, what CCB needs to adjust is the mortgage interest rate, the threshold for loan application and the speed of lending. In the final analysis, it is because of policy.
There is no fixed time for CCB to lend money. As long as there is a loan amount, the lender's loan is approved and CCB will lend money on weekdays. Under normal circumstances, CCB will complete the loan within 15 working days after the ordinary loan is approved.
If there is a small holiday during the loan application period, the lender's credit problem, etc. Loans are generally delayed. Affected by the new policy, the lending time of major banks will basically be extended, and each city has its own advantages. Work efficiency may also be slightly different.
If a user applies for a mortgage, CCB will generally complete the loan within 15-30 working days. However, on 202 1, according to the actual feedback from users, the first-tier city construction bank will generally complete the mortgage within 2-3 months.