What do you mean the loan has been issued?

What does it mean that CCB's smart personal loan shows that it has been issued?

It means that your loan application has been approved. Has entered the loan issuance process. You can go to the bank to go through the formalities with the relevant documents. The smart personal loan shows "Payment conditions are being implemented", which should be approved and wait for the loan. If you need to approve the personal commercial loan after applying for it in China Bank and implement the pre-conditions before lending, you can log in to the official account of China Bank Mobile Banking, Personal Online Banking and "China Bank Weizhong Bank" WeChat to check the loan approval progress in my own name.

What is a smart loan? Smart loan is a brand-new repayment method of automobile loan. With the same principal and interest, your monthly payment will be much lower than the previous monthly payment. This is because part of the principal, that is, the loan is postponed when the loan expires, and the amount of the loan depends on the loan term. Divide the loan into two parts, the down payment and the final payment. If the disposable income will increase significantly in the next few years, it is recommended to choose the smart loan method. This is because the monthly repayment amount is greatly reduced during the loan period, and a variety of final repayment methods can be selected according to the situation at that time when the loan expires.

Mortgage: I received a short message from the bank and the loan has been issued. Do you need to go through other formalities at this time?

You don't need to go through any other formalities after receiving the loan SMS. Generally speaking, after receiving the loan notice from the bank (mostly in the form of text message or telephone call), the user will lend money in the afternoon or the next day. At this time, the developer should register with the real estate management department with the contract signed with the lender, and the user also needs to go to the real estate management department to get the purchase contract. For mortgage loans, the bank will inform you by SMS or telephone. If it is a pure commercial loan to buy a house, after the bank approves it, the bank will lend directly if there is a quota. If it is a portfolio loan, it will also involve the amount of the provident fund center, and this time will be slower. The speed of lending is also closely related to whether the local real estate market is hot or not. For example, many people buy houses, especially those who buy houses together. At this time, it is easy for banks to have insufficient credit lines, so it may take more than half a year. According to the normal situation, commercial loans generally take about three months, and the provident fund can be lent in about half a year.

After the loan is completed, the bank will send the loan contract, repayment bank card and other related materials to the developer, and the user also needs to go to the developer (that is, the sales office) to collect these materials.

Generally speaking, after receiving the loan notice, users need to get the house purchase contract, loan contract signed with the bank, repayment bank card and other related materials that the developer has completed registration and filing. Some netizens asked if they wanted to get the relevant invoices, which is for sure. Lenders should also remember to go to the sales office to get all the invoices.

Finally, remind everyone that after the mortgage is paid off, the lender still needs to go to the bank to go through the relevant procedures and get the property certificate of the house. Need to bring real estate license, other property certificates, original ID card, etc. Go to the real estate management bureau to go through the formalities of mortgage cancellation registration. Mortgage housing loans need to be registered in the housing authority trading center and notarized in the notary office. When handling mortgage registration, the borrower needs to take the loan contract, real estate license, personal ID card and other materials to the Housing Authority for mortgage registration. After the registration is completed, the Housing Authority will issue a mortgage certificate.

My loan has been issued, please complete the vehicle mortgage registration as soon as possible. What does this short message mean?

This shows that you have applied for a car loan, and now the loan has been issued. Please complete the mortgage registration of the car loan as soon as possible so that you can use the car loan.

Car loan.

What are the procedures for buying a car with a loan?

First of all, you need to know the basic conditions for handling personal car loans:

/kloc-citizens over 0/8 years old with full capacity for civil conduct.

Have legal identity documents, local permanent residence or valid residence certificates.

This is the basic condition for handling car loans. Let's take a look at what procedures are needed to buy a car with a loan.

Secondly, the process of loan to buy a car:

1: The borrower submits the loan application materials to the bank.

2. The bank conducts a preliminary examination of the application materials submitted by the borrower.

3. The bank conducts credit investigation and customer evaluation on the borrower.

3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation.

4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall be explained to the borrower.

5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

Finally, I need to know the information I need to buy a car with a loan.

1: personal loan application

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, proof of spouse's identity shall be provided.

3. Household registration certificate or long-term residence certificate

4. Personal income certificate, family income or property certificate when necessary.

5. Certificate of intention to buy a car issued by the car dealer.

6. Loan to buy a car down payment certificate

7: If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet.

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by CCB; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

The more common the loan consumption pattern is, the more cautious the novice should be when handling the loan to buy a car, and look at the formalities carefully. In order to avoid unnecessary troubles caused by the latter after the loan.

What do you mean by loan issuance?

It means that individuals or companies lend money in various forms, and banks transfer the money you need to the accounts of individuals or companies, that is, banks issue loans.

It shows that the loan contract of the housing provident fund network has been issued. What does it mean to leave the loan?

Hello, the display has been released, indicating that it has entered the lending stage. If "Posted" is displayed, it means that the loan has been issued. Please pay attention to the loan notice received in recent days. It usually takes several working days to get the account. Now the bank loan is slow, and it may take a little more time.

The loan has been issued. What do you mean? Let's stop here.