How long will it take to lend money after the approval of ABC?

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

Now I'd like to introduce you to the mortgage approval of Agricultural Bank of China. Details are as follows; The mortgage application process is as follows:

1. The materials to be prepared are:

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. ;

It should be noted that if the buyer is a self-employed, the work income certificate will be changed to a business license.

The Agricultural Bank of China sent me a text message, meaning that the loan came down?

First of all, you need to make sure whether the number that sent you the text message was sent to you by ABC. Nowadays, many deceptive advertisements send information through pseudo base stations. If it is a short message sent to you by ABC, it must end with 95599. Make sure the number belongs to ABC, and then call 95599 for help. After checking, there is no problem, that is, the loan is approved.

The response time of short-term loans of banks shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months.

The "general principles of loans" have corresponding provisions:

Article 23 Obligations of the Lender:

1. The type, term and interest rate of loans operated shall be announced, and the borrower shall be consulted.

Two, the credit content of the loan review and the conditions for issuing loans should be made public.

Three, the lender should consider the borrower's loan application, and timely reply whether the loan. The response time of short-term loans shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months; Unless otherwise stipulated by the state.

Extended data:

Ways to stop spam

1. When receiving spam messages, the so-called "unsubscribe T" is useless. After replying "t", you will only receive more spam messages. You can try to reply to the "0000" blocked SMS port.

2. Use the short message interception function in the short message function of the mobile phone system, which generally includes functions such as "intelligent interception", "blacklist interception", "strange number interception" and "unsubscribe short message interception", and can be blocked and intercepted as needed.

Is the Agricultural Bank of China's mortgage approval a branch or a sub-branch?

1. Under normal circumstances, branches and sub-branches have the power to approve loans. Branches have a certain limit, and those that exceed the limit should be reported to the branch for approval. At present, some banks focus on the branch approval mode.

2. The above contents are for your reference. Please refer to the actual business regulations. (Take HUAWEIGRA-CL 10, version number: GRA-CL1092B366, system version number: EMUI system 4.0. 1 as an example).

1. What is the approval process for bank mortgage?

65438+

2. Review by the credit review department. After receiving the materials submitted by the institution, the credit review department will review them in accordance with the relevant regulations of the bank. In case of doubt or omission, the operating agency will be required to supplement the materials. If the materials do not meet the requirements, they will be returned to the operating organization (the general organization will review them first when submitting them). After the review is completed, the reviewers will issue review opinions and submit them to the person in charge of the review department for review.

3. recognition. The person in charge of the credit review department shall submit it to the leaders in charge of the branch for examination and approval. Normal leaders will pass it directly after seeing it, and rarely refuse it, usually within three days.

4. Borrowing: After being approved by the leaders in charge, the audit department can issue a Notice of Approval Opinions and hand over the materials to the operating institutions. At this time, the account manager can take the relevant materials to the lending center to apply for lending.

Second, how to choose a mortgage bank?

1. Look at the mortgage interest rate. The interest rate is directly related to the mortgage interest expense. Since the new mortgage policy was issued by the central bank on March 17 this year, commercial banks have cancelled the preferential interest rate for housing loans from their own accounts, returned to the same period, implemented the lower limit management, and implemented differentiated interest rates for housing loans according to different regional structures and customer structures.

2. Look at the repayment method, which is an important choice that mortgage borrowers must face, because the appropriate repayment method can not only save interest expenses, but also reduce the repayment pressure. From the point of view of convenient adjustment of repayment period and repayment amount, the lender should choose a bank that can provide multiple repayment methods. The choice of repayment method depends on the lender's stable monthly income.

3. Looking at the interest rate adjustment method, the current adjustment method of bank mortgage interest rate is not "unchanged for one year", but is determined by both borrowers and lenders according to commercial principles. During the contract period, it can be adjusted by month, quarter and year, or it can be fixed. Different banks have different regulations on interest rate adjustment methods, some allow customers to choose, and some implement the same interest rate adjustment method for all customers.

How does China Agricultural Bank prove that the loan has been approved?

Generally, there is no direct proof, but there is usually a notice of approval. You can show the loan contract to prove that the loan has been approved.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. 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.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Repayment method: (1) equal principal and interest repayment method: equal repayment every month, and repayment of the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; (2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; (4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. (5) Repay all the loans in advance: that is, the borrower. (6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

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;

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?

Handling process of personal housing relay loan: providing application materials → bank investigation and approval → signing loan contract → issuing loan → repayment of loan principal and interest by the borrower according to the agreed repayment method → handling loan settlement procedures.

Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches.