How long does it take for the Agricultural Bank of China to approve the loan now, and how long will it take for the loan to be released after approval?

1. How long does it take for the Agricultural Bank of China to approve the loan now, and how long will it take for the loan to be released after approval?

If you apply for a loan at the Agricultural Bank of China's business outlets, the loan approval time varies due to various factors such as the loan type. For details, customers are advised to contact loan bank outlets for further verification. Usually, after the loan of ABC is approved, the bank will inform the loan applicant to go to the bank to sign a loan contract, and the bank will only lend money if the loan contract is signed. To apply for a mortgage loan, you need to go through the relevant mortgage procedures after signing the loan contract. After the general loan is approved, it takes 1-2 weeks to complete the loan.

Advantages of ABC's loan: 1, one-time credit, recycling: you can apply for a credit line at one time and use it repeatedly according to one or a combination of mortgage, pledge, guarantee and credit. 2. Full use, convenience and flexibility: the loan can be used for consumer purposes such as housing, automobiles, house decoration, comprehensive consumption, and also for business purposes such as individual production and operation, which is flexible and extensive. 3, simple procedures, worry-free and interest-saving: after the borrower applies for a loan, if the property is mortgaged, it only needs to go through the mortgage procedure once; Interest can be calculated according to the actual loan amount and the actual use days.

Agricultural Bank of China can approve loans offline-applicable objects

It covers the customers who are engaged in the operation of characteristic industries, the purchase and sale of rural e-commerce, the supply and marketing of agricultural industrial chain and have financial assets or credit relations with China Agricultural Bank. Loans can be used for production, operation and consumption, including but not limited to the following scope: 1. Farmers whose deposits, wealth management, funds and other financial assets in the Agricultural Bank of China reach a certain standard.

2 farmers who have applied for housing loans at the Agricultural Bank of China and have not yet settled down.

3. Farmers who have applied for farmers' loans in China Agricultural Bank and have good credit records.

4. Farmers engaged in tea, fruits, vegetables, tobacco, grain planting, animal husbandry, poultry, fishery and other special industries recognized by the Agricultural Bank of China.

5. The credit village recognized by ABC has assets, income and honest farmers.

6. Upstream and downstream farmers of agricultural industrialization leading enterprises cooperating with ABC.

7. Farmers in the upstream and downstream of the e-commerce platform that cooperates with ABC purchase and sell.

8. Farmers guaranteed by government credit enhancement mechanism or financing guarantee company.

2. Is the offline loan of Agricultural Bank approved well?

Agricultural Bank of China's loan review is relatively strict, and it needs a guarantor and a fixed job.

Third, is it difficult to approve the loan of ABC?

Generally, it takes about 45 working days from application to loan, and the specific time is subject to bank loan.

The mortgage application process is as follows:

1, preparation materials:

ID card (original), household registration book (original), marriage certificate (original) (single person does not need to prepare), bank flow in the past six months, social security card (which can better help the lender to obtain loans), and proof of work income (bank-specified format, company official seal).

2. Buy real estate:

If the property supports bank mortgage business, the sales office will generally have bank staff to handle or contact the developer to apply for loan business and submit information.

3. Pending preliminary review:

The general sales office will have a special person in charge to conduct a preliminary review of the materials to verify whether they are comprehensive and conform to the regulations, and the lender can cooperate with the preparation of the materials or confirm them.

4. Waiting for review:

After the bank receives the application from the buyers, it will arrange the Commissioner to conduct telephone audit and investigate the real situation.

5. Bank results:

After the approval of the bank is clear, the lender passes the approval, and the bank issues the mortgage loan agreement and other related documents. If it fails to pass the approval, the loan will fail. You can apply again after checking the reason and solving the problem.

6. Sign a contract:

After obtaining the consent of the bank, the lender will sign a house purchase contract with the developer with relevant information, and the developer needs to prepare relevant documents (real estate license, etc.). ) and hand it over to the bank for safekeeping.

7. Loan and account opening repayment:

After verification, the bank will transfer the loan amount to the cooperative account with the developer, and designate the lender to open a special repayment account, sign an authorization agreement and make repayment.

Note: If the property buyers are self-employed, the work income certificate will be changed to business license.

Fourth, is the Agricultural Bank loan approved well?

Hello, it is not difficult to apply for a mortgage at the Agricultural Bank. As long as you meet the corresponding loan demand, the bank will naturally approve it. Loans can also be regarded as a way of bank income, and many small institutions are scrambling to do it. As long as there is no violation, it is no problem to apply for a mortgage. First, the conditions for applying for a mortgage. Before applying for a mortgage, check whether you meet the relevant conditions. If there is a serious discrepancy, there is no need to apply, and they are basically rejected. Generally speaking, there are six conditions, namely, having a valid residence status of permanent residence in cities and towns, stable income, good credit, a down payment of more than 20% of the total purchase price, assets recognized by the bank as collateral or a legal guarantor, and a purchase contract or agreement that meets the requirements of the bank and other conditions. It's easy to meet the conditions, and it depends on how the bank judges if some conditions are not met. Second, although the content of conditional analysis looks very complicated, it is actually very simple. The identity and income of the first two items are basic conditions that most people can meet; The third item is more difficult. According to the law, the down payment must be raised by itself. Young people can only seek help from their parents. Remember not to use loans. Fourth, in the absence of asset collateral, you can find a company guarantee. Under normal circumstances, as long as you have a better relationship with the boss, you can get the seal. Or use the original residential mortgage, these can be; The fifth and sixth items are basic conditions, so just follow the process. In other words, a normal person (with normal income and credit) must have his own funds if he wants to apply for a loan. III. Basic Loan Types The loans of the Agricultural Bank of China are divided into four types, namely settlement type, consumption type, entrepreneurial type and characteristic type, which probably refer to four different directions. When making a loan, some people may think about refinancing, such as turning their business into a mortgage. This method can indeed save some interest, but the consequences are difficult to estimate. Now loans are checked every year. Once violations are found, banks may take "lending" measures, and then the whole life will be affected.