SMS notification of bank loan approval

How long does it take to approve the bank loan?

About five working days.

In order to avoid risks, the bank's work is very rigorous, and the approver will re-examine the auditor's work. If there is no problem, the bank will inform that the loan has been approved, and the tax payment can be transferred, which usually takes about 5 working days.

If the original owner does not have a loan, he will pay taxes and transfer the mortgage property certificate after approval, and the bank will lend money in about seven working days. If the original owner has a loan, he needs to apply to the loan bank for early repayment after signing the contract. Time depends on the bank itself. Some owners need a month to pay taxes and transfer mortgage property certificates after the loan is paid off.

Matters needing attention in housing loan

Apply for a mortgage according to your ability: some users will think that the larger the loan amount, the better. Actually, that's not the case, because after you get the mortgage, you have to pay it back and you have to pay interest. If the loan period is long and the loan amount is large, then it is necessary to pay more loan interest and increase the repayment pressure.

After the loan application is approved, the buyer can repay the loan every month. Then, if you encounter difficulties and can't repay the loan on time, the buyer can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.

For the above contents, please refer to People's Daily Online-How long will the loan be approved (Chengdu Bank).

How to apply for a bank loan? What are the requirements?

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Requirements of the Borrower:

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 23

The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

Article 24

The loan contract shall comply with the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the good faith commitment of all parties, the purpose of the loan funds, the payment object (scope), the payment amount, the payment conditions and the payment method.

The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.

Article 25

Lenders should establish and improve the contract management system to effectively prevent the legal risks of personal loans.

If the loan contract adopts standard clauses, the legitimate rights and interests of the borrower shall be safeguarded and publicized.

Article 26

The Lender shall standardize the guarantee process and operation according to the Property Law of People's Republic of China (PRC), the Guarantee Law of People's Republic of China (PRC) and other relevant laws and regulations.

The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral.

Personal loans secured by guarantee shall be completed by at least two loan officers.

Article 27

Lenders should strengthen the management of loan issuance, follow the principle of separation of examination and loan, set up an independent loan management department or post, and be responsible for implementing the loan conditions and issuing personal loans that meet the agreed conditions.