When did the major banks stop lending?

1. When did the major banks stop lending?

Generally, by the end of the year, banks will stop lending because they need to liquidate their business and funds at the end of the year. However, the liquidation time and regulations of each bank are different, and some banks still lend normally at the end of the year. If users want to apply for a loan at the end of the year, it is best to call the bank directly and ask if they can lend money normally in the current time period.

When did the major banks stop lending?

Under normal circumstances, banks will not issue loans from the end of 65438+February 10 to the year-end settlement date. During this period, the bank households entered the storage stage and closed the loan channel. However, the specific time for different banks to stop lending is still different, subject to the bank's notice.

In addition, when banks are short of funds, they will also stop lending. Therefore, the time when banks stop lending is full of uncertainty. Banks will announce the loan suspension time in advance, and users with capital needs need to apply for loans before stopping lending.

Affected by the central bank's five interest rate cuts during the year, a large amount of bank deposits were lost at the end of the year, resulting in a high degree of loan quota. Up to now, most banks have announced that they will suspend lending at any time after June 1 1, and banks that can lend will also raise the entry threshold in the near future. Customers who want to borrow money should make preparations in advance, make plans as soon as possible, and arrange the time to buy a house.

Second, summary: 202 1 List of bank loans in the second half of the year, don't miss it if you want to buy a house!

In the process of buying a house, what buyers value most is nothing more than mortgage interest rate and mortgage lending. The interest rate of mortgage is related to the interest that buyers need to pay, and the lending time of mortgage is related to when buyers can successfully buy a house. Summarize the lending time of bank loans in the second half of 20021for everyone. Let's have a look!

In the second half of 20021,the time of bank loan lending entered August of 20021,and the mortgage interest rates in hot cities such as Beijing, Shanghai, Guangzhou, Shenzhen and Hangzhou began to increase one after another. In addition, it is also required to strictly screen the source of down payment, real income level and repayment ability of buyers, and extend the time of mortgage lending. Bank staff in most areas said that after ordinary buyers apply for mortgages, they generally need to wait for about 3 months before they can wait for loans. If the personal qualifications are poor, it may take more than 4 months. Other banks said that it was impossible to specify the time for lending, so queuing for lending has become a common phenomenon in some banks. The lending time of the four major banks in Guangzhou is generally about 3 months, and the lending time of China Merchants Bank, Shanghai Pudong Development Bank and Postal Savings Bank is also about 3 months. The lending time of other joint-stock commercial banks is uncertain, and buyers basically need to wait for more than three months. The speed of bank lending is not only related to policies, but also related to the total number of loans waiting, my comprehensive qualifications and geographical factors. Even in the same bank, it is very likely that users will lend money at different speeds. Generally speaking, first-and second-tier cities are more strict in issuing loans, while third-and fourth-tier cities are more relaxed; Compared with the second suite, the first loan is faster. The above is the related content sharing of "20021Lending Time of Bank Loans in the Second Half of the Year". I hope it will help you!

3. How long is the bank loan?

1. The mortgage rates of China Bank and China Bank have not been very fast, but the annual loan quota ratio of China Bank has been well controlled, and the new loan policy has not had a great impact on the bank's mortgage. 20, China Bank 15 working days, if the lending speed is slow, it will take about one month.

2. Construction Bank The loan speed of CCB in Beijing, Shanghai and Guangzhou is much slower than that of CCB in other regions. Many CCB in Guangzhou even announced that they might suspend the second-hand housing loan business. Therefore, 202 1, the lending speed of CCB may be relatively slow, and it generally takes 3.

3. Postal savings bank mail, adjust faster. After March 20021year, the postal savings banks in most areas have resumed their normal mortgage business. Both the time and speed of loan approval are not much different from before, and it takes about 15-30 working days. China Agricultural Bank's China degree is still relatively slow, and medium-sized cities have implemented relatively strict policies, making it more difficult for users to apply for loans. According to feedback from relevant users, it generally takes 1-2 to apply for a mortgage at ABC.

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According to the actual situation, most buyers received the notice of bank loan at 3 pm, and the house payment was made at night. Usually around 3 pm, we get more loans. Because bank mortgage loan is not a very simple matter, many users think that only the bank's business personnel can directly input some money. But in fact, business personnel need to give change before lending money, and at the same time, triple check the payment number, account number and other contents. After the complicated process is completed, the business personnel can make money. Therefore, banks usually need to stop applying for mortgages at around 5: 30 in the morning, because it takes about 7 working days for banks to go through the examination and approval procedures. After approval, it will take about 15-30 working days to issue the loan. After the user receives the loan notice, it takes about 1-3 working days to receive the loan from the bank.

② Users can urge the loan manager, but not too often. Before reviewing the loan, the loan manager needs to submit complete information, including not only information, but also the developer's purchase contract. Some developers' staff did not submit it to the bank in time, which may also lead to a slow process. Users can ask whether the data is ready and whether to add it. In the loan review stage, the bank personnel specially evaluate the loan, and the loan manager can't interfere with the results. It is not recommended to urge repeatedly, and the other party who needs to explain and supplement will take the initiative to contact.

4.202 1 What is the lending time of major banks in Guangzhou?

1, Bank of China

China Bank's mortgage lending rate has not been very fast, but China Bank is controlling the proportion of mortgage every year, and the new mortgage policy has no great influence on China Bank's mortgage lending. 202 1, 15 working days if the loan speed of BOC is fast; Slow 1 month or so.

2. China Construction Bank

Compared with CCB in other regions, the lending speed of CCB in Beishangguang area is much slower, and many CCB in Guangzhou even announced that it may suspend the second-hand housing loan business. Therefore, in the year of 20021,the lending speed of CCB may be relatively slow, generally taking 30 working days.

3. Postal Savings Bank

After receiving the policy, the Postal Savings Bank adjusted quickly. Since March, 20021,most postal savings banks have resumed their normal mortgage business, and the loan review time and lending speed are not much different from before, which takes about 15-30 working days.

4. Agricultural Bank of China

The lending speed of ABC is still relatively slow. Agricultural banks in first-and second-tier cities have stricter implementation policies, making it more difficult for users to apply for loans. According to the feedback from relevant users, it generally takes about 1-2 months to apply for a mortgage at ABC.