How long does it take for China Merchants Bank to approve the mortgage?

1. After the mortgage is approved, how long can China Merchants Bank lend money?

The mortgage loan of China Merchants Bank has been approved. If the application materials are complete, the approval time is about 15 working days. Because it involves evaluation, mortgage registration and other links, each customer's situation will be different. It is best to directly contact the handling outlets or loan account managers for confirmation on the specific lending time, whether the loan can be cancelled and other related information. Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals). Personal housing loans need to provide information: ID cards of both husband and wife of the borrower (original and two copies). Household register (one copy of the original). Marriage certificate (one original and one copy). If you are unmarried, you need to fill in the declaration of unmarried, and our bank will keep the original. Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (one original and one copy each). Copy of the property right certificate of the complete house actually owned by the family members (including the borrower, spouse and minor children) to be purchased. Calculation method of equal principal and interest repayment: [loan principal × monthly interest rate× (1interest rate) repayment months ]≤[( 1 interest rate) repayment months-1]. Matching principal repayment is also one of our common repayment methods. Average capital repayment method is that the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called diminishing method. Its characteristic is to repay the principal every month and calculate the interest on a daily basis according to the loan principal amount. The early repayment amount is large, and the monthly repayment amount is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. Therefore, this repayment method is suitable for families with better economic income. Calculation formula of equal principal repayment: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate. Extended data:

There are two main ways to withdraw loans: direct withdrawal. After the loan contract comes into effect, the borrower will directly transfer the borrowed money into the deposit account opened in the loan bank according to the payment plan agreed in the contract. Special withdrawal. After the loan contract comes into effect, the borrower will entrust the loan bank to transfer the loan to the deposit account opened by the selling unit or developer in the relevant bank at one time or several times according to the time stipulated in the loan contract. Borrowers who take special withdrawal methods must provide relevant contracts to the lending bank when withdrawing money. Agreement payment notice and other documents. With housing provident fund loans, take special withdrawal. The way to repay the principal and interest of the loan is agreed by the borrower and the borrower, and it is stipulated in the loan contract. If the loan term is within 1 year (including 1 year), the principal and interest will be repaid at the maturity, and the interest will be paid off together with the principal; If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid on a monthly basis, generally by the monthly repayment method. During the loan period, the loan principal and interest shall be repaid in equal amount every month. Progressive repayment method, during the loan period, the repayment amount is increased year by year or every other year at a fixed rate, but the same amount of loan principal and interest is repaid every year or every month for several consecutive years. Customer loan process: loan consultation: learn about individual housing loan object, loan conditions, loan amount, term, interest rate, repayment method and loan procedures through outlets, telephones or websites. Loan application: submit the materials required by the bank to apply for personal housing loan. Sign a contract: after the customer's application is approved, sign a housing loan contract with the bank. Loan issuance: when the conditions are met, the bank will issue loans according to the contract. Customer repayment: the customer repays the loan on time according to the contract. Post-loan service: customers enjoy new products and value-added services provided by banks. People's Daily Online: China Merchants Bank takes the lead in implementing the new mortgage policy

2. When will the provident fund loan be released after it is approved?

If the loan application materials of China Merchants Bank are complete, the approval time is about 15 working days. Because of the intermediate recording and other links, each customer's situation will be cancelled. Please contact the handling bank or loan account manager directly for confirmation.

Tips: To apply for a loan online, directly dial 95555-3 Empty Bank -2 Empty Loan to enter the manual consultation!

Third, how to check the progress of provident fund loans

If you have applied for a loan from China Merchants Bank, you can log in to mobile banking to check the loan approval progress (online banking and online customer service are temporarily unavailable):

After logging in to mobile banking, click "My" below, then click "All" → Find "Loan", and click "My Loan → Application Progress".

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Contact the account manager and make suggestions on the progress of provident fund loan application; For the progress of car loan, please contact 4008855855 car line for consultation.

4. How to check whether the provident fund loan of China Merchants Bank has been approved?

Go to the provident fund management office.