The arrival time of rural credit loans is related to many factors, such as loan products, whether the borrower's application materials are complete, bank audit system, loan use inspection, holidays and so on. Under normal circumstances, if the audit of rural credit cooperatives is relatively loose, if everything is complete, it can be received in about 7 working days.
After receiving the application, the rural credit cooperatives will evaluate the applicant's credit rating and issue a loan certificate, then apply for loan business from the rural credit cooperatives, and then issue loans after reviewing the purpose and related materials.
How long does it take for CITIC to get a credit card loan?
After CITIC Bank lends money, the loan amount will generally reach the borrower's account within one to three working days. There are two kinds of loans from CITIC Bank: one is credit loan and the other is mortgage loan. Generally speaking, it takes seven to fifteen days to apply for a credit loan. Generally, it takes fifteen to thirty days to apply for a mortgage loan.
Extended data:
CITIC Credit Card Application:
To apply for CITIC Credit Card, customers can directly bring ID card, residence certificate, work income certificate and other related materials to the counter of offline business outlets to find staff to handle it; You can also apply online, such as CITIC Bank official website, Mobile Banking, Credit Card APP "Mobile Phone Card Space", and CITIC Credit Card WeChat official account, Alipay life number, etc. , all have credit card application entrance.
It should be noted that if you want to apply for a credit card of CITIC Bank, you must meet the following basic conditions:
1. Natural person with full capacity for civil conduct, age 18 to 65 years old (age of supplementary card applicant 16 to 75 years old, supplementary card for overseas student card is relaxed to15);
2. Personal credit is good, and there is no bad credit record on credit investigation;
3. Have a stable and legal job or economic source.
In fact, there are three main grades of credit cards: Puka, Gold Card and Platinum Card. Customers apply for different card grades, and the threshold will be different. The higher the level of the general card, the stricter the requirements for the applicant, especially in terms of assets and financial resources.
Credit card loan operation:
To apply for a credit card loan, customers can buy a car by credit card installment and apply for special installment, such as credit card home improvement installment. Generally, it is not a problem to borrow 200,000 yuan. For example, the application amount of China Construction Bank ranges from 200,000 to 200,000 for car purchase and home improvement in Longka.
It's just that what everyone needs to pay attention to is the special installment business such as credit card car purchase installment and home improvement installment, which are generally merchants who need to find a bank to cooperate. Like CCB Longka, there are car dealers who know the car purchase situation by stages, and customers can only handle it if they choose the designated model.
Because it is an installment business, there is generally no interest, and the installment fee is charged. As long as the customer lists the amount according to the bill, he can repay the current principal and the corresponding handling fee on time before the repayment date (inclusive). As long as it can be returned in full and on time, you can enjoy interest-free treatment. Otherwise, once overdue, there will be overdue penalty interest.
Of course, customers can also choose to go directly to the bank to apply for loans. As long as the customer's age meets the standards; Personal credit is good; Have a stable income and the ability to repay on time; The mortgage or guarantee provided is qualified, and the loan can usually be successfully obtained.
When will the bank loan procedures be completed?
Lending time is different. Credit loans can be obtained in one day at the earliest, but in this case, lenders are often required to have good credit qualifications and high audit efficiency of lending institutions, otherwise it will take a week to get loans. When handling mortgage loans and secured loans, the time is uncertain. The fastest lending time is 3-4 days, and the slow lending time is 10 days or even 1-2 months. So the lending time depends on the loan type. Generally speaking, mortgage loans and secured loans take a long time to lend. Because of the strict requirements for these loans, the lending speed will be slower. Lending time of different lending institutions. Banks generally lend for a long time, from about a week to two months or even longer. Because the bank audit is strict and meticulous, it requires high personal qualifications of the applicant, so the applicant will be more careful and have more names to examine. Companies can apply for credit loans quickly, and lend on the same day at the earliest. Usually, they can pay within 2-3 working days. The company has always had low requirements for personal qualifications, so the review procedure is simple and the number of applicants is limited, so the lending efficiency is high.
By the way, the specific loan process is as follows:
1. Submit the loan application to the bank first, and submit the relevant loan procedures according to the loan type.
2. The bank will review the loan application submitted.
3. After the audit is completed, the bank and the lender sign a contract.
4. After signing the contract, according to the loan type, the applicant needs to go through the mortgage or guarantee procedures. If it is a pure credit loan, it does not need to be provided.
5. The bank issues loans according to the contract.
By the way, what's the interest rate for credit loans?
At present, the annualized interest rate of bank credit loans is generally between 6% and 8%, and some banks have lower interest rates. For example, ICBC currently offers preferential interest rates for credit loans. From now until 2065438+February 28, 2007, you can enjoy a 20% discount on the interest rate when you apply for e-loan, including 5.22% for one-year loans and 5.7% for loans over one year.
How long does it take for ICBC's credit loan to be released?
If the user applies for a credit loan, the loan funds will generally come down in a few working days. When a user applies for a mortgage, if the user passes the examination, the loan will generally be released in about one month. Because the loan review time is different, the applicants are different, the review standards are different, and the lending time is also different. Users who are in urgent need of money can try to apply for credit loans.
For users who apply for loans from ICBC and wait for a period of time after approval, they can take the initiative to contact ICBC and urge them to lend as soon as possible.
Generally speaking, it takes 15-20 working days to apply for a house loan from a bank.
Loan approval process:
(1) Credit personnel of the handling bank-head of the credit department-head of the handling bank within the approval authority of the handling bank.
(2) The approval of the handling bank exceeds the approval authority of the handling bank-it is reported to the credit approval authority of the superior bank for approval. Handling personnel after investigation, should be in the "China Construction Bank personal housing loan approval form" in the statement and write a review opinion, the loan approval form and approval materials submitted to the person in charge of the credit department.
(3) The person in charge of the credit department shall sign the approval form and submit it to the branch president for approval. Beyond the approval authority of the branch, the branch shall sign the opinions and report to the credit approval authority of the superior bank for approval. Generally, ICBC's credit loans arrive in about 30 days from 15 after the loan application, and the specific arrival time depends on the approval speed. After applying for a credit loan, ICBC will record and review the information submitted by the borrower, and then sign the contract after the approval. The longest audit time determines the speed of loan arrival.
What are the conditions for ICBC's personal credit loan?
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2 have a stable job and good economic income, and have the ability to repay the principal and interest of the loan on schedule;
3. Abide by the law, have no illegal acts in the near future and have no bad credit record;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by China Industrial and Commercial Bank.
How long can the bank credit loan come down?
If it is a bank's online credit loan, it can be approved on the same day at the earliest, and the user can receive it within 2 hours after approval. It takes about a week to apply for a bank credit loan offline, and it takes about a week to approve it, which is much slower than online credit loans. Therefore, most users choose to apply for online credit loans to speed up the approval process.
For users, the main consideration in applying for loans is the speed of appropriation and the passing rate of examination, both of which have certain advantages.
How long does it take for a credit union loan?
It usually takes half a month to lend money, and individuals apply for loans from rural credit cooperatives. Generally, he should meet the requirements of the applicant 18~60 years old, with good credit, stable income and stable work or residence address. Generally speaking, he needs 7~ 15 working days. If it is short, it may take about three working days. However, if the loan amount of local rural credit cooperatives is tight, it may take a long time; Then the loan time will be delayed, and it is normal for 1-3 months to get the loan funds. When handling general loans in rural credit cooperatives, after signing the loan contract and completing the relevant procedures, the credit cooperatives will transfer the loan amount to the account known to the borrower.
1. After receiving the application, the rural credit cooperatives will evaluate the applicant's credit rating and issue a loan certificate, then apply to the rural credit cooperatives for loan business, and then review the purpose and related materials, and then issue loans after all the conditions are met. Bian Xiao suggested that you prepare relevant materials before applying for a loan, so as not to delay the review time.
Second, the characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives.
Three, however, due to the nature, status, role and other reasons. Credit cooperatives are different from national specialized banks, so they have their own characteristics in the specific operation of loans:
Loan conditions of rural credit cooperatives
1. The borrower is a citizen of People's Republic of China (PRC) (China) and has full capacity for civil conduct; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.
2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.
3. Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.
After applying for a loan in a rural credit cooperative, I realized that such factors have a certain relationship with many factors, such as time, holidays, and whether your own information is complete or not. So I suggest that you consult in detail what information you need to prepare before applying for a loan, so as not to delay the examination time.
So much for the introduction of how long the credit loan will arrive.