Discussion on the Lending Time of Commercial Loan of Agricultural Bank of China

What date does ABC usually lend money every month?

With the high housing prices, in order to reduce the pressure of buying houses, more and more people choose loans to buy houses. Then the problem is coming. Do you know what date the Agricultural Bank of China usually lends money every month? How can we avoid extending the mortgage loan cycle? If you are interested in this, you might as well go and learn about it with me!

What date does ABC usually lend money every month?

There is no uniform regulation on the monthly lending time of Agricultural Bank of China, because the work efficiency and progress of each bank are different, so I suggest you go to the local Agricultural Bank to consult the relevant staff.

How can we avoid the extension of mortgage lending cycle?

First, choose "unreliable" developers.

What people call "unreliable" developers, as the name implies, is that developers can't keep up with their services, or the five certificates are incomplete. Although most developers are the last to get pre-sale permits. In order to withdraw funds in time, developers usually start selling houses without obtaining pre-sale certificates. If the buyer buys this type of house, the loan will not be approved in time.

In addition, if you encounter a careless developer and the loan information is not handed in in time, it will also affect the loan time of the buyers. Therefore, the choice of brand developers before buying a house is particularly important. After all, brand developers are more powerful.

Second, I didn't understand the specific situation of second-hand houses.

Due to the high housing prices, more and more people choose to buy second-hand houses, but for beginners, it is very likely to buy houses with too high age or unclear property rights, which makes it difficult to approve mortgages.

Third, I applied for a portfolio loan.

In addition, there is another point that needs your attention. For example, if banks tighten, the loan approval cycle is likely to be postponed. If you buy a second-hand house, it is not only a matter of time cost, but also a very important factor that the landlord is likely to default. Of course, the above situation also depends on the specific situation of individuals and local banks.

Four, property buyers have bad credit information or false materials.

In the process of applying for housing loan, no matter which bank, it will check personal credit information. If there are more than six overdue payments before buying a house, and the amount involved is large, it is not just a question of extending the loan period, and it is likely to be rejected by the bank.

Editor's summary: After reading the above introduction, I believe you will have a better understanding of what date the Agricultural Bank of China usually lends money every month. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

How long does it usually take for agricultural bank loans to come down?

Question 1: How long will it take for the ABC loan to come down? Because there are many bidding links, the lending time is determined by many factors. If a link in the middle runs aground or an accident occurs, the lending time will be delayed and the bank cannot guarantee the specific lending time.

First of all, in the bank loan approval process, it takes about 3 to 5 working days to sign a loan contract. If you want to apply for a mortgage loan, you have to apply for mortgage registration, which takes a long time.

At present, the competition among banks is fierce, which is also the reason for the accelerated loan application. Especially in relatively developed cities, it is faster to apply for bank loans.

If the materials are complete and there are no accidents, the bank loan will be released in a month or so. If you apply for personal credit loans or short-term loans.

Question 2: How long does it usually take for ABC to apply for real estate mortgage loan? Whether it is handled at the Agricultural Bank of China or other banks, the audit time takes about 22-25 working days, and the specific audit time is subject to the lending time.

Real estate mortgage loan conditions:

Natural person with age 18-65;

Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;

There is no illegal act;

Good credit information and bad credit records;

It can provide effective pledge guarantee of rights recognized by the bank, or it can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

The property right of the house is clear and meets the listing and trading conditions stipulated by the state;

Real estate can enter the real estate market without any other mortgage;

The sum of housing age and loan application period cannot exceed 40 years;

Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

Other conditions stipulated by the bank.

Preparation data of real estate mortgage loan:

Original and photocopy of the ID card of the borrower and spouse;

Original and photocopy of the borrower's husband and wife residence booklet;

Proof of marital status;

Original purchase agreement;

Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of income;

Bank flowing water;

Certificate of academic qualifications;

Bank deposit certificate;

Other financial certificates;

The developer's collection account number;

Other materials specified by the bank.

Real estate mortgage loan process:

Choose real estate;

Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly as stipulated in the contract.

Question 3:20 16 how long will it take for ABC to get the mortgage? It generally 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.

Question 4: How long does it take to approve the mortgage loan at ABC? From application to loan, it involves the work of buyers and sellers, housing management bureau and other departments. Therefore, there is no fixed time for the specific settlement time in various places. According to the current situation, if buyers and sellers actively cooperate, it usually takes about 20 working days.

Buying a house by loan takes about 20 working days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Submit the loan application and sign the loan contract: 1 working day.

3. Property appraisal and third-party guarantee: 1-2 working days.

4. Bank approval: 5 working days.

5. Down payment for house transfer: 1 working day.

6. Pay taxes and get a new real estate license: 4 working days.

7. It takes 3 working days for the bank to receive the loan contract and mortgage registration.

8. Bank loan to the seller, property delivery and final payment: 3-5 working days.

Question 5: What is the longest time for agricultural bank loan approval? 1. Hello, there is no slowest, only slower; 2. When the funds are plentiful, the bank will generally give you a good opportunity, whether you can borrow or not; But it is unusual for ABC not to give you a letter because your conditions meet the loan application, but at present they are not well-off and need to bring projects and people who can bring more profits; 3. Or you should walk around and sort out the relationship; It's no good spending some money, change banks; There is no longest time to drag on like this; 4. Tell a story of my friend. I went to the bank to get a mortgage before. The bank says you buy insurance here or something, and your friend is a semi-expert. Look at that insurance. Obviously, it is not cost-effective. Yu Ding said he bought insurance outside; 6. Later, the trustee spent money to find out. I didn't buy this insurance. You say no, the bank can't say that you won't give you a loan if you don't buy insurance from me, so you can only treat it coldly; 7. Finally, my friend spent double insurance money and got the loan within one week. Of course, this does not mean that you are stuck in insurance. At present, banks are short of funds. It is a reality that the mortgage is not optimistic. It is suggested to wait and see for a while, or spend some money to burn incense!

Question 6: How long does it take for ABC to approve the housing loan? Generally, it takes 40-50 working days to lend money.

The basic process of mortgage loan is as follows:

On-site inspection:

Loan officers, intermediaries, appraisers, buyers and sellers go to the housing site to apply for mortgage loans to conduct on-site investigation of the housing;

Property right verification;

The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;

Sign the contract:

The bank carefully checks and verifies the original information of customers, identifies the authenticity of all signatories, supervises the signature of customers, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

Fill in the contract:

The bank arranges the information according to the relevant information provided by the customer and fills in the contract;

Payment obligation:

After the bank's fee is pre-approved, it will inform the customer to pay;

Transfer of property rights:

With the help of the Housing Authority, the buyer and the seller go through the formalities of property right transfer; The Lender prepares relevant materials to go through the mortgage formalities at the bank;

Bank loan.

Question 7: How long does it take to approve the loan from ABC and how long can it be released? 1, hello, there is no slowest, only slower;

2. When the funds are plentiful, the bank will generally give you a good opportunity, whether you can borrow or not; But it is unusual for ABC not to give you a letter because your conditions meet the loan application, but at present they are not well-off and need to bring projects and people who can bring more profits;

3. Or you should walk around and sort out the relationship; It's no good spending some money, change banks; There is no longest time to drag on like this;

4. Tell a story of my friend. I went to the bank to get a mortgage before. The bank says you buy insurance here or something, and your friend is a semi-expert. Look at that insurance. Obviously not cost-effective, so he said that he bought insurance outside;

The next thing is that the loan should follow the normal channels, but it is delayed again and again. Ask someone's bank if you are eligible for a loan; Why? It depends on the above approval.

6. Later, the trustee spent money to find out. I didn't buy this insurance. You say no, the bank can't say that you won't give you a loan if you don't buy insurance from me, so you can only treat it coldly;

7. Finally, my friend spent double insurance money and got the loan within one week.

Question 8: How long does it usually take for ABC to grant loans? In different banks, the lending speed is different.

If you apply for a mortgage loan at ABC, it should take about one month, but the time will be different for different loan types and different people.

Question 9: How long does it usually take for ABC's mortgage to come down? You have not been cheated. It's because ABC's lending time has been extended now. Nowadays, many banks are under increasing pressure to lend, and many customers waiting for loans are overstocked in banks. Now banks and finance bureaus are tightening money, raising interest rates, and it is already very good to be able to lend. So, we can only wait now!

How long does it take to get a mortgage from Shaoguan Agricultural Bank on March 23, 2022?

March 23 to 30, 2022. Generally speaking, bank loans will be issued within one week. On March 23, 2022, you borrowed a commercial loan from Shaoguan Agricultural Bank, within seven days, that is, until March 30.

How long will the Agricultural Bank loan?

It takes a month's working day.

It usually takes a month from the bank accepting personal data to lending money. First, make a preliminary review of the branch you mortgaged, and then report it to the head office for final review. During this period, your purchase contract will be filed with the real estate bureau, and after the contract is filed, it will be registered by the real estate bureau.

Then the head office approves the funds, then enters the mortgage department, and it takes another 3-5 days to lend money. The general income certificate will be confirmed by the bank, that is, within one week of your submission. Generally, if you arrange it, the bank will not keep asking questions, and it will easily pass. Moreover, it is also possible to provide more proof of other assets or deposit some money in the bank.

: latest agricultural bank loan interest rate

Project annual interest rate%

I. Short-term loans

Within one year (including one year) 4.35

Second, medium and long-term loans

One to five years (including five years) 4.75

More than five years 4.90

Three. The annual interest rate of individual housing provident fund loans is%.

Under five years old (inclusive) 2.75

More than five years 3.25

Four, national trade and national commodity production loans

In order to support agricultural development, the state has introduced many loan policies in finance, including general loans, mortgage loans for land management rights, and mortgage loans for rural houses. But do you know how to borrow these loans?

Lending banks: Agricultural Bank, Postal Savings Bank, credit cooperatives and other commercial banks.

Taking rural credit cooperatives as an example, farmers can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving a loan application, a rural credit cooperative shall review the purpose and amount of the loan. The general amount should be controlled at 50-65438+10,000 yuan, and the specific amount varies from place to place.

Credit cooperatives also have farmers' joint guarantee loans, and three or five farmers form a joint guarantee group to guarantee each other's loans. The loan amount of joint guarantee is relatively higher than the personal credit loan amount.

Matters needing attention

According to the current regulations, loans can only be used for agricultural production expenditures such as planting and aquaculture; Agricultural machinery loan; Small credit loans for farmers can only be used for agricultural services before, during and after delivery and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school.

Cooperative loan

Farmers' professional cooperatives and their members can implement preferential interest rates, and the specific preferential range is determined by local conditions.

Cooperative loan conditions:

Approved and registered by the administrative department for industry and commerce, and obtained the legal person business license of farmers' professional cooperatives; Having a fixed place for production, operation and service, and engaging in the production, operation and service activities stipulated in the articles of association of farmers' professional cooperatives according to law; Having a sound organizational structure and financial management system, and being able to submit relevant materials to the rural credit cooperatives on time; Open a deposit account in a bank applying for a loan and voluntarily accept credit supervision and settlement supervision; No non-performing loans and interest arrears; Other conditions stipulated by the bank.

Family farm loan

The maximum amount of loans granted by the Agricultural Bank to family farms is100,000 yuan, which can be used for farmland infrastructure construction and land transfer payment in addition to meeting the demand for working capital such as purchasing agricultural means of production. The loan period can be up to five years.

What are the forms of mortgage or guarantee?

In view of the difficulty in rural guarantee, Agricultural Bank of China has innovated such guarantee methods as agricultural machinery and tools mortgage, agricultural and sideline products mortgage, forest right mortgage, new rural property right mortgage, "company farmer" guarantee and professional cooperative guarantee, and also allowed credit loans to qualified customers.

Mortgage loan of land management right

Mortgage loan of rural land contractual management right refers to the loan that farmers or cooperatives apply to financial institutions with legal rural land contractual management right as collateral.

Materials to be submitted for applying for land loan

Identity certificate or other supporting materials; Certificate of ownership of land management right; Application for mortgage registration of rural land management rights; Certificate of mortgage registration of rural land management right; Commitment letter on mortgage of land management right; Application for mortgage loan; Other materials required by the bank.

General process of land loan

Loan application → loan investigation → loan approval → signing mortgage contract → handling mortgage registration procedures → loan issuance → post-loan inspection → loan return.

Forest right mortgage loan

Lenders should establish a mortgage property value evaluation system to evaluate the mortgaged forest property value when conducting forest property mortgage loan business. For a forest right mortgage loan project with a loan amount of less than 300,000 yuan, the lender shall make its own assessment with reference to the local market price, and shall not charge the borrower an assessment fee.

The mortgage loan procedure is as follows:

1. The obligee submits a new version of the forest right certificate.

2. The obligee submits a written mortgage application (including personal basic information, forest right, loan amount, financial credit certificate, etc.). )

3. If the right holder is an individual, submit a copy of the personal ID card; It is a copy of the legal person's ID card and the qualification certificate submitted by the unit.

4, township forestry station signed a preliminary opinion on the written mortgage application.

5, county forestry planning survey and design team on-site assessment, making assessment report.

6. Loan agreements for the financial sector

7, the financial sector to provide a copy of the unit registration and a copy of the legal person ID card.

8. Pay fees and handle other warrants.

housing mortgage loan

This year, the central government will issue a national guidance document on rural housing mortgage loans, which has attracted much attention. Recently, Liuyang, Hunan officially launched the pilot reform of rural housing mortgage financing.

Rural housing mortgage loan process

The lender obtains the rural real estate license-applies for a loan from the rural commercial bank-both parties confirm the real estate value on the spot-signs the mortgage contract-the certificate that the village committee agrees to the mortgage registration of the house on the collective land-the mortgage registration of the house-and issues the loan.

Agricultural mortgage loan quota

Rural commercial banks refer to the market value and liquidity of collateral to determine the loan mortgage rate, which is generally 50-70% of the assessed value of mortgaged real estate; The loan term is mainly short-term (within one year), and the interest rate depends on the borrower's credit rating and operating conditions. Generally, it will go up by 50% on the benchmark interest rate, and customers with particularly high quality can also go down appropriately.