How long is the housing loan period of rural commercial banks?

How long does the rural commercial bank loan?

It usually takes 22-25 working days to lend money.

Process of handling mortgage to buy a house loan:

1, select real estate; 2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans; 3. Apply for mortgage loan; 4. Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will issue a loan consent notice or a mortgage loan commitment letter;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents; 6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans; 7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account; 9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer; 10. The borrower repays the loan regularly according to the contract.

Have you learned the precautions for sharing five loans with dry goods?

1, the mobile phone number needs attention!

The mobile phone number must be in real-name registration system.

The mobile phone number must be used for more than half a year.

It is impossible to owe the phone bills to the three major operators in the past.

The use time of mobile phone number must be normal.

2. The authenticity of the loan information!

To apply for personal consumption loans, borrowers need to provide authentic documents and materials required by various lending institutions, such as the contact information of various relatives required by most lending institutions. This information should not be tampered with. According to the statistics of most institutions, the suspicion of authenticity is a major reason for refusing loans!

3. It's important to call back!

Anyone who has applied for a credit card should know that after you submit the application materials, the bank will call back, mainly to confirm the authenticity of the materials. In fact, in the process of applying for a loan, there is also a telephone call back, but many people ignore it. I want to remind you not to call back. Often such a small detail is the real reason for your loan failure!

The reason why the lending institution calls back is to confirm the authenticity of the information submitted by the borrower. If the information obtained by the bank through telephone call-back is inconsistent with the information provided by the borrower, then the bank will definitely question the borrower's character and situation, which will make your loan road extremely difficult, or it will not be approved at all.

4. Cherish personal credit!

With the improvement of personal credit information system, its data is no longer limited to traditional business areas such as credit records, and its attention gradually turns to business areas that provide comprehensive social data services. Therefore, at present, more and more lending institutions compare the "credit" of loan applicants through various credit reporting agencies. Once it is included in the "credit blacklist", it is difficult to eliminate the stain. Please cherish your personal credit.

5. Work-related information requirements

Some high-risk industries are difficult to apply for, so we can only think of other ways. These are high-risk industries: coal mine, construction industry, dangerous chemicals industry, aircrew and so on.

It is best to fill in the work for more than half a year. Wage flow, work certificate, business card and work badge are all work-related materials, and submitting them will definitely help.

Mastering the above five dry goods can improve the success rate of loans. Have you learned?

In addition, everyone must choose a formal lending institution when choosing a lending institution.

How long does it take for rural commercial banks to approve mortgages?

It takes about 15 days to apply for a mortgage in a rural commercial bank. The process needs approval.

1. The headquarters of the rural commercial bank went to audit.

2. If it is approved, you will be notified by phone or SMS to collect the house payment.

3. There are some differences in loan interest handled by different banks.

1. Beijing Rural Commercial Bank was restructured and established on June 10 and June 19, 2005. Its predecessor was Beijing Rural Credit Cooperative, which was established in June 195 1. It is the first provincial-level joint-stock rural commercial bank approved by the State Council, and its basic financial services cover all towns and villages in Beijing.

The scale of operation exceeded one trillion yuan, and the comprehensive operational strength reached a new level. Firmly establish and implement new development concepts, adhere to steady, sustainable and high-quality development, and continuously improve business quality. Successfully become a trillion-dollar commercial bank. In the Banker's ranking of global 1 0,000 banks in 2020, the asset size ranks 146, and the tier-one capital ranks 176. Asset quality and risk resilience are always superior to the national average level of commercial banks. In the "Top 40 Value Creation Rankings of China Banks", a number of value creation indicators are in the forefront. It won the title of "National Best Rural Commercial Bank" for nine consecutive years and was selected as "China 500 Most Valuable Brands" in the world brand laboratory for four consecutive years, and its brand image and social influence continued to improve.

Firmly grasp the strategic positioning of the capital city and actively support economic transformation and upgrading and improve quality and efficiency. Focusing on the coordinated development of Beijing-Tianjin-Hebei, the construction of urban sub-centers, the Winter Olympics and other key areas, we will actively follow up major livelihood projects such as rail transit and ecological protection, and continue to increase loans in key areas such as small and micro, agriculture-related, cultural and creative, and medium-and long-term manufacturing industries to fully meet the multi-level and diversified financing needs of market players. Adhere to the "green water and green mountains" with green finance, actively support the "Clean Air Plan of the Capital", and fully promote the development of green industries and circular economy.

Implement the strategy of revitalizing the capital countryside and fight hard against poverty with heart. We will continue to strengthen agricultural financial innovation and capital investment, and a series of special products such as special financing for collective construction land entering the market, phoenix rich agricultural card and phoenix rural tour will effectively meet the development needs of agriculture, rural areas and farmers. It has always been its responsibility to optimize the rural payment environment and credit environment, and actively innovate various modes such as rural convenience stores, rural self-service stores and agricultural withdrawal service points. We have 2,800 offline physical channels and strive to get through the "last mile" of financial services. Solidly promote counterpart assistance and "one enterprise and one village" pairing assistance, and achieve the goal of helping Miaoliang Village get rid of poverty ahead of schedule.

Loan Term Policy of Rural Commercial Banks

First, the mortgage of rural commercial banks can be changed from five years to fifteen years, but the following conditions need to be met:

1. The lender's age meets the maximum period required by rural commercial banks;

2. The lender's application for extending the repayment period must be approved by the rural commercial bank.

Second, the mortgage period:

The specific loan period should be calculated according to the individual's age (male: no more than 65 years old, female: no more than 60 years old. For example, if a man is 54 years old now, his longest loan period can only be 1 1 year. 65-54= 1 1。 Others are discussed in turn. ), and the longest loan period of each bank is different. The maximum term of a new house is 30 years, and the maximum term of a second-hand house is 15 years.

How many years has the mortgage credit of rural commercial banks expired?

The longest term of mortgage loans of rural commercial banks is 30 years.

Generally speaking, the longest loan period of housing loan, namely housing mortgage loan, is 30 years. If the mortgaged property is used for business operation, the loan period is generally less than 5 years, and the loan amount is often 70% of the real estate assessment value. If the mortgaged property is used for personal consumption, the loan term is generally within 10 years, and the loan interest rate often rises on the basis of the benchmark interest rate.

Let's stop here for the introduction of how long the housing loan period of rural commercial banks is.