How long does it take for ICBC to apply for a car loan?

After the approval of ICBC's car loan, how long can it be released?

If you apply for a loan through China Merchants Bank, if you submit complete application materials, our loan approval time will be about 15 working days, because it involves evaluation, mortgage registration and other links, and each customer's situation will be different; Please contact the handling branch or loan account manager directly to confirm the specific loan release time, cancellation and other related information.

How long will it take ICBC to get a car loan? Time is generally not long!

There are many people who buy cars through car loans now. When you apply for a car loan, you will not only care about the loan amount and interest, but also care about how long the loan period is. Take ICBC as an example today, and tell me how long it will take for ICBC's car loan to come down.

From what we have learned, ICBC's car loan will generally be approved in about 7 working days. After the loan approval is completed, the bank will lend money soon. Generally speaking, the time from providing a loan application to successfully getting the money will not exceed 1 month. While waiting for ICBC to lend money, we need to pay attention to some matters.

1. While waiting for the loan, everyone must pay attention to protecting their personal credit, and never have overdue credit cards or other loans overdue situations during this period. In addition, there can be no other dishonest behavior.

2. While waiting for the loan, everyone should also pay attention to keeping the mobile phone open, so that the staff of ICBC can contact you in time when there is a problem.

If you haven't received the result of ICBC's car loan after waiting for a month, you should contact ICBC's customer service or your account manager in time. There may be some problems.

Everyone should also pay attention to control their debts in their daily life, and don't handle too many loans.

Everyone should also pay attention to avoid economic relations with others during the loan period, so as not to affect the car loan.

The above describes how long the ICBC car loan can come down. Generally speaking, friends with good personal credit and no problem with application materials can basically get loans within 1 month.

How long does the car loan last?

Question 1: It's too easy for you to get a car loan for a few days. The finance of the 4s shop is still directly borrowed from the bank. Every bank is different. Do you need notarization and mortgage? No matter where the loan is made, it is basically 34 days, so it will be fine. All of the above are your qualifications.

Question 2: How long does it take to buy a car with a loan? First of all, approval: as long as your information is complete and meets the basic approval conditions of China Bank, approval can be completed within 3 working days.

Let's talk about loans first: At present, there are two forms of BOC car loans, one is ordinary consumer loans, and the other is card installment. If it is a card installment, it generally does not occupy the quota of the branch, which is about three working days, but personal consumption loans are not necessarily. This depends on whether the bank has a quota. If there is, the loan can be released the next day after approval. If not, we will have to wait for the quota. This year, the credit policy is tight and lending is generally slow!

Question 3: It usually takes 3-5 working days for CCB to issue car loans, but it may be a little nervous at the end of the year. I suggest the landlord can wait patiently for a few days. If the bank approves the quota for you, it will inform you by SMS and tell you that the special installment quota has been adjusted. Then you can swipe your card at the 4S store to get the car.

Question 4: How long can a car loan bank get a good loan? If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures;

If so, there is no need to sign such a contract. Finally, the bank issues loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Question 5: How many days does it take for ICBC to apply for a car loan? Hello, the bank doesn't lend money on Saturday. How can I put it? It is very inefficient to use only the bank where you apply for a car loan. The application has passed-your car loan contract is ready, your card has been processed, your car has been licensed-your car has been registered in the bank mortgage. After staying in China for three days, the bank still didn't lend money, which was really inefficient. You can rush them.

For example, we handle car loans in Quzhou, and we are also ICBC. We all lend money within 2 days after mortgage, sometimes in the morning and afternoon.

You have to wait for Monday now, and the loan department of ICBC will not go to work on weekends, hehe.

Question 6: When is the loan date of CCB car loan? The basic process of applying for car purchase by installment with Longka credit card is:

(1) The customer first selects a car at the dealer and tests it, and negotiates with the dealer to determine the purchase price;

(2) Show your credit card and ID card, and fill in the installment payment application form;

(3) Distributor submits customer application materials to CCB;

(4) After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities;

⑤ After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car;

⑥ Repay by monthly installments through Longka credit card.

After submitting the information, you need some time to pay the down payment. After the down payment is completed, it will take some time for the credit card exclusive quota to arrive. As far as I know, it will take about two weeks. Because there are many loans to buy a car now, the bank's monthly loan amount is not enough, so the loan time will be slightly two days later. If the exclusive quota is in place, I will inform you by SMS. After receiving the text message, you can take your credit card to the 4S store and swipe your card to take the car home.

Question 7: What is the process of car loan for several days? Solve the problem of bank car loan. The audit procedures for bank car loans and credit cards by stages are relatively complicated, which generally takes five working days or a week, and the requirements for the lender's occupation, income and credit are relatively high.

Loan car purchase process;

Consultation → Deciding to buy → Preparing materials, filling out forms → Submitting materials → Preliminary examination → Submitting to the bank for approval → Paying down payment → Selecting a car → Signing a car purchase contract → Picking up the car → Handling relevant formalities → Driving home → Repaying monthly.

Question 8: How long does it take for CCB to issue car loans? Generally speaking, it takes about 1~2 working days for users with cards to reply.

It takes a little longer to get a card. If the materials are complete, it will take 5-7 working days to reply, but it will be needed when the card arrives. The loan amount will be used when it is finally repaid by credit card, so it will take about 65,438+00 days in the end. Of course, it depends on whether there is a car. )

But now that CCB has an accident, it is temporarily unable to get the loan (the specific recovery time is uncertain, that is, when you can get on the bus is uncertain), so consider other financial institutions.

Question 9: How many days does ICBC usually lend car loans? After a week's review, it was approved, and the money was released after the green capital was pressed.

Question 10: How long does it take to buy a car with a bank loan? If you want to apply for a car loan, the premise is that you must pay the down payment first, so the situation you are talking about is not a problem, and the 4S shop will not give you a chance, so wait until the down payment and the upfront car purchase expenses are collected.

I transferred the money to ICBC, and the credit card and car loan staff said it would take five working days to transfer it to ICBC.

Yes, according to the relevant interest, the approval time of ICBC car loan is generally within 5 to 15 working days. After the first trial of ICBC's car loan, it only needs to go through the formalities of household registration, insurance and mortgage. If handled well, the loan can be issued within three days by providing information to ICBC.

How long did it take ICBC to call the car loan and the text message came?

You will receive a text message within five minutes after the approval of ICBC car loan. Whether it is a bank car loan or a car consumption finance loan, after the loan is approved, a short message will be sent to inform the user that the loan has been approved and inform the user to sign a loan contract as soon as possible. After the loan contract is signed, the financial institution will arrange the loan as soon as possible. Of course, during the application period, users are usually called back. Please pay attention to answering the audit call during this time.

How long does it take ICBC to approve the mortgage?

Legal analysis: firstly, the lender prepares materials, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to hear the driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended.

Legal basis: General Principles of Loans in People's Republic of China (PRC).

Article 11 Term of the loan: The term of the loan shall be determined by both the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.

Article 12 Loan extension: If the loan cannot be repaid on time, the borrower shall apply to the lender for loan extension before the loan expires. Whether the extension is decided by the lender. When applying for secured loan, mortgage loan or extension, the guarantor, mortgagor and pledger shall also issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement. The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.

Article 13 Determination of loan interest rate: The lender shall determine the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.

Article 14 Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule according to the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period and the original term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

Article 15 Loan discount: According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments may grant loan discount. Loans subsidized by relevant departments shall be independently approved and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of these General Rules.

Sixteenth loans should be suspended, reduced, postponed and interest-free; Except for the decision of the State Council, no unit or individual has the right to decide to stop, reduce, postpone and interest-free. The Lender shall specifically handle suspension, reduction, deferment and interest-free according to the decision of the State Council.

This concludes the introduction of how long it will take for ICBC's auto loan to be approved in Tacova. I wonder if you have found the information you need?