How long does Ping An Bank usually lend its mortgage?

How many days is the fastest mortgage loan of Ping An Bank?

Users who apply for Ping An Bank mortgage loans will generally lend money within 1-3 days after approval. As long as the loan is approved, Ping An Bank will lend quickly. However, the specific lending time still depends on the type of loan product. In addition, the review of mortgage loans will take a long time, and it is necessary to evaluate the mortgaged assets and go through the relevant mortgage procedures.

I. Real Estate Mortgage Loan Process of Ping An Bank:

The borrower submits the application-provides the required materials (ID card, household registration book, marriage certificate and real estate license)-the bank account manager understands the borrower's situation and evaluates the value of the property-the bank contacts the borrower and signs a loan contract-the borrower mortgages the property to the bank-and the bank loan is issued to the borrower.

Two. The borrower applying for real estate mortgage loan of Ping An Bank needs to meet the following conditions:

1. First, the borrower has legal status and good credit record;

2. The borrower applying for real estate mortgage loan requires a stable economic income and the ability to repay the principal and interest of the loan. Even if there is collateral, the bank also depends on the borrower's repayment ability;

3. The applicant can provide valid proof of property rights and other relevant documents.

4. Self-raised funds not less than 50% of the total price or evaluation value of the purchased commercial house (whichever is lower), and guaranteed to be used to pay the down payment of the purchased commercial house;

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

Tip: At present, there are many loan methods for domestic financial institutions, among which mortgage loan is one of the more important ways. Mortgage loan is an important choice for many customers with loan needs, but they are not all familiar with the mortgage loan process, which may hinder the lender's loan progress. If you can be familiar with the mortgage loan process and prepare all the required materials before the loan, it will greatly facilitate the loan process.

How many days does it take Ping An Bank to issue mortgage?

Hello, after applying for a mortgage loan from Ping An Bank, the loan will generally be released within 1-3 days. As long as it is approved, Ping An Bank will issue loans relatively quickly. However, the specific lending time still depends on the type of loan product. In addition, the review of mortgage loans will take a long time, and it is necessary to evaluate the mortgaged assets and go through the relevant mortgage procedures.

: 1. What is Ping An Bank?

Ping An Bank is a cross-regional commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. With a registered capital of 50123.35 million yuan and total assets of nearly10.37 trillion yuan, it is headquartered in Shenzhen, Guangdong Province.

China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for 52.38%, which is a bank controlled by China Ping An. There are 34 branches in China and representative offices in Hongkong.

20 12 1, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition, SDB changed its name to New Ping An Bank, and established New Ping An Bank to conduct formal business. 2065438+On June 26th, 2009, eight banks including Ping An Bank launched the first batch of enterprise information networking verification systems.

Two: What is a real estate mortgage loan?

Housing mortgage loan is a kind of loan provided by the bank to the borrower in order to ensure the safety of the loan and legally obtain the lien and pledge of the borrower's property through a certain contract. This kind of loan is actually a loan in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the principal and interest of the loan on time, the creditor has the right to dispose of the collateral and give priority to compensation.

This kind of loan can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. Mortgage loan is used for housing credit based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of mortgage are mostly individual residents, banks can't know the financial strength and credibility of borrowers, which increases the risk of bank loans. Mortgage loan provides an effective guarantee for creditors to recover their loans. Therefore, most banks use mortgage loans in housing loans provided to individual residents.

How long did it take to release the mortgage?

The following are the lending time of banks: Minsheng Bank: the earliest 10 working day. Postal bank: 2 working days at the earliest. China Construction Bank: 7 working days. ICBC: One month later. China Merchants Bank: 8 working days at the earliest. Bank of China: 5 working days. Agricultural Bank: the fastest 1 working day. Everbright Bank: 5 working days. China CITIC Bank: 5 working days. Guangfa Bank: 5 working days. Bank of Nanjing; 7 working days. Bank of Beijing; 3 working days at the earliest. Ping An Bank: 1-3 working days. Bank of Ningbo: 5 working days.

Extended data:

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.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

bank loan

(Bank loan)

According to different classification standards, there are many types of bank loans. For example:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the loan scale, it can be divided into wholesale loans and retail loans;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

Now more and more post-80s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.

1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month.

If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.

4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.

I would like to ask how long it will take Ping An Bank to pass the mortgage.

It takes about a month for Ping An Bank to pass the mortgage, and handling the bank mortgage is divided into two parts: approval and lending. If the mortgage application conditions are met, it will take Ping An Bank about 2-3 weeks to issue the approval results after submitting the loan application, including the loan amount and loan interest rate. After approval, the bank will ask the customer to sign a loan contract, go through the relevant formalities, and lend money in about 5-7 working days.

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