How long does it take for ABC to lend money?

The agricultural bank app saw the mortgage coming down. Why didn't you text me?

Personal loan SMS notification receiving time:

1. Time for personal loan customers to receive the deduction reminder notice: The time for normal loan customers who have no arrears to receive the notice is the repayment date T-3.

2. Time for personal loan customers to receive the notice from loans overdue: The time for customers with outstanding debts and overdue for more than 3 installments and less than 90 days is the repayment date T4.

3. Time for personal loan customers to receive the notice of deduction failure: the repayment date is T 1, and the deduction fails on the repayment day, and customers who are overdue for more than 3 installments and less than 90 days receive the notification message.

4. The time when the personal loan customer receives the notice of successful deduction: the time when the customer receives the short message of normal repayment, early repayment and overdue repayment, and the time when the customer is overdue for three periods (inclusive) or within 90 days (inclusive) is the successful deduction date T 1.

5. Time for individual loan customers to receive the loan notice: the time for all new loan customers to receive the notice message is the loan success date T 1.

6. Time for individual loan customers to receive the notice of loan interest rate adjustment: June 65438+ 10 1 The time for all customers who adjust the loan interest rate to receive the notice message is the adjustment date T 1.

If you accidentally receive a loan SMS notification, please contact the loan bank for verification.

(Answer time: September 24, 202 1. In case of business changes, please refer to the actual situation. )

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.

Received a short message from ABC about mortgage loan. Has the loan been completed?

Received a short message from the bank about mortgage loan, indicating that the bank has completed all the examination and approval procedures and issued loans to real estate developers, and your loan has been completed.

The applied mortgage received a short message from the bank saying that it had been lent, and then it could be fulfilled according to the terms agreed in the loan contract.

After the loan to buy a house and the bank loan, the buyer should get:

House surveying and mapping fee receipt, appraisal fee receipt, deed tax ticket, maintenance fund receipt, transaction fee receipt, registration fee receipt, mortgage registration fee receipt, loan contract, repayment plan, etc. ;

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Personal commercial housing loan process

I. Basic conditions

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

The purchased commercial house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business operation.

A house purchase contract or agreement has been signed (hereinafter referred to as "house purchase contract"), and more than 40% of the house purchase price has been paid.

With the assets recognized by the loan bank as collateral, the present value of the house purchased is not less than RMB 300,000.

It is agreed to handle the bank card (discount) at the loan bank and entrust the loan bank to deduct the principal and interest of each loan.

Two, should provide the following information

Valid identity documents, proof of marital status and other necessary documents of the borrower and the mortgagor;

The real estate certificate of the mortgaged house and the certificate that the mortgaged property agrees to mortgage;

Letter of intent signed by the borrower, receipt of more than 30% of the purchase price or other supporting documents;

Other materials deemed necessary by the lender.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;