When will the loan arrive after receiving the text message?

The bank just informed me that the loan has been issued. How long will it take to arrive?

Generally, it will be received within 15 working days.

Generally, the bank will notify the lender to accept the loan within 15 working days. However, there are some differences in the arrival time of each bank. Users can call the bank or pay attention to the balance in the card. If you apply for a mortgage, there will be a short message after the loan is released to let the user know the next payment of the mortgage.

For different banks, the time for the bank to arrive at the account after notifying the lender is different. Some banks may arrive late, and some banks may arrive soon. For different types of loans, the time required is also different. But the speed is different in different situations, usually 3-5 days, at the latest about a week or two. The specific time depends on the account provided by the owner. It is generally not too late without special force majeure. Banks notify lenders in different ways, such as SMS, and the lending speed of different banks will be different. In case the bank is short of funds, the lending speed will also be affected.

Lending is a loan, which is very popular in banking. As long as the borrower meets the loan application conditions, he can successfully handle the business. Many borrowers are more concerned about when the loan will arrive, which depends on the nature of the loan. Generally speaking, the specific arrival time is related to the loan method and the loan bank. If it is a commercial loan, it will generally arrive within 25 working days. If it is a city provident fund loan, the time is relatively short, and it can be received within fifteen to twenty working days. If it is a state-owned provident fund, it will take a long time, and it will be extended by 6 working days on the basis of the municipal provident fund. If the borrower has received the bank loan notice, it is better to consult.

apply for loan

Basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan; Correct the original unreasonable loan; List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee; Project proposal and feasibility report; 6. Other relevant information deemed necessary by the Bank;

Car loan, I got the loan text message. How many days can the car dealer receive the payment?

The car dealer can receive the account in real time or it usually takes 1 to 2 working days to receive the account. 1. If the car loan account is not inter-bank, it is generally recorded in real time. If it is inter-bank, 1 will arrive in 2 working days.

2. Auto loans are RMB-guaranteed loans issued by banks to buyers who buy cars at dealers. The higher the general car loan interest rate, the greater the repayment amount of consumers. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years.

Automobile loan application materials

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income, and running list of personal accounts in recent 6 months;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

Automobile loan channel

1. auto financing company: the biggest advantage lies in convenience and low threshold. Companies are generally founded by car companies. Its "convenience" is not only reflected in the direct application through 4S stores, but also in the fact that there are no requirements for hard conditions such as hukou and real estate.

2. Buying a car with a credit card: The most obvious advantage lies in the loan interest rate, which is half lower than the traditional bank car loan interest rate. Ordinary credit cards can be applied, and the models are also cross-brand, with a wide range of choices. The premise is that you need a higher credit line to enjoy it.

3. Bank car loans, banks are facing the pressure of tightening credit scale, consumer loans such as car loans have shrunk sharply, and the loan doors of some middle and low-end cars have been temporarily closed. The biggest advantage is a wide range of choices. Car buyers can go directly to the bank to apply for personal car consumption loans after they take a fancy to the models. However, the procedure of lender qualification examination is very complicated. It is generally necessary to provide real estate (such as real estate) as collateral. Some banks are open to high-end customers or high-end models, and the car itself can be used as a mortgage. However, compared with other car loan methods, the time period for approval is very long. In terms of loan interest rate, the auto mortgage interest rate generally rises by about 10% on the basis of the benchmark bank loan interest rate in the same period.

Most car loan businesses need guarantee companies to guarantee or buy car guarantee insurance, and car buyers also need to bear 2.5% to 3% guarantee fees. When all procedures are added up, the comprehensive cost of bank car loan is the highest among the three ways.

How soon can ABC receive the loan after SMS notification?

Generally speaking, there will be SMS notification for mortgage borrowers. After receiving the SMS notification of approval, it will generally arrive within 2 weeks.

If the loan is repaid, it can only be a bank card filled in when applying for a mortgage. If you want to change it, you must go to the bank counter.

For buyers who buy first-hand existing houses or second-hand houses, they usually start to repay loans in the next month after the bank lends money. But if you are buying an auction house, the time is more difficult to determine. According to the relevant regulations, developers can only mortgage after obtaining the pre-sale certificate. Usually, multi-storey houses can only apply for pre-sale permit when they are capped, and they can also apply for pre-sale permit when the high-rise reaches two thirds. Many people may not have started construction when they buy faster houses, so they can't get a mortgage loan. In fact, the loan procedure at the time of buying a house is only the approval made by the bank in advance, and the loan can not be officially issued until the auction house obtains the pre-sale permit, and the repayment will begin the next month. Therefore, it will take a year or more from the approval of the loan to the official repayment, depending on when the house can be built to the pre-sale standard.

Housing loan process:

The housing loan process is as follows:

1. The borrower needs to fill in the Application Form for Mortgage of Residential Houses and submit the following materials to the loan bank: income certificate issued by the borrower company, valid identity certificate of the borrower, house ownership certificate in compliance with the law, real estate mortgage appraisal report, appraisal certificate, house purchase contract and other documents or materials required by the bank.

2. The lending bank shall review the lender's application, purchase contract and submitted materials.

3. The borrower shall hand over the property certificate of the house to be mortgaged to the bank for safekeeping.

4. The guarantor of the borrower and the lender shall sign a housing mortgage loan contract and conduct relevant notarization.

5. After signing the loan contract, the bank will release the loan after completing the internal seal process.

Under normal circumstances, when a loan bank issues a loan, the loan amount cannot be greater than the value of the house to be purchased assessed by the mortgaged real estate appraisal agency.