The situation in different cities is different, so the loan lending time is also different;

Generally, it takes 3 working days for banks to approve the information, and the fastest 7 working days for lending, if it is slower, it will take 7 working days. It takes about 2 months. It usually takes about a month to complete the process. It is mainly related to the bank's lending indicators.

1. Operation flow chart: providing consultation—gt; accepting applications—gt; pre-loan investigation—gt; loan approval—gt; loan issuance—gt; loan recovery—gt; loan management

A brief description of each link in the process

1. Providing consultation, accepting applications, and pre-loan investigation

(1) Provide consulting managers to provide consulting services to customers. The consulting content includes : Types of personal housing loans that have been opened, objects, conditions, amounts, terms, interest rates, repayment methods, etc.

(2) To accept the application, the borrower shall provide the following information after consultation with China Construction Bank: ID card, proof of the mortgagor’s marital relationship, proof of the borrower’s income, purchase contract, down payment certificate, and the guarantor’s agreement to guarantee written certification and other relevant information required by China Construction Bank.

(3) After accepting the loan application, the pre-loan investigation manager will investigate the completeness, authenticity, validity and legality of the "Application" submitted by the loan applicant and the information required to be provided. . After passing the pre-loan investigation, it is deemed that the loan meets the loan conditions and is ready to be submitted for approval.

2. Loan Approval

(1) The credit personnel of the handling bank within the approval authority of the handling bank—the person in charge of the credit department—the person in charge of the handling bank

(2) Approval of the handling bank beyond the handling bank's approval authority - report to the superior bank's credit approval agency for approval. After investigation, the handling personnel shall submit the loan approval form and approval materials to the person in charge of the credit department, who shall Sign the approval opinions on the approval form and submit it to the branch manager in charge to sign the approval opinions on the approval form.

3. Sign a loan grant contract - handle mortgage registration, insurance, notarization and other procedures - fill in various vouchers after the contract takes effect - the borrower opens a deposit account - handle loan transfer procedures.

(1) After the contract is signed and the loan is approved, the handling personnel shall fill in the contract, borrower parties (borrower, mortgagor, guarantor) and China Construction Bank according to the requirements of different loan purposes and loan guarantee methods. Sign the relevant contract with the authorized signatory. (2) After going through relevant procedures such as mortgage registration, insurance notarization, and opening a borrower's deposit account, signing the mortgage contract and receiving the collateral, the credit department should register the "Mortgage and Warrants Register" item by item according to the mortgage and at the same time, according to the mortgage After filling out the "China Construction Bank Mortgage Receipt Notice" with the value, stamped with the name of the handler, the official seal of the business department and the name and seal of the borrower or mortgagor, submit it to the custody department and accounting department together with the mortgage warrant, pledge and warrant.

(3) Fill in various accounting vouchers after the contract takes effect.

(4) Handle the loan transfer procedures. After receiving the payment notice from the credit department and verifying that it is correct, the accounting department will handle the loan transfer procedures in accordance with relevant regulations and procedures. The transfer shall adopt direct payment or special transfer. One of the methods of transferring funds

IV. Loan recovery

(1) Entrusted deduction method: The borrower should sign an entrusted deduction agreement with the lending bank.

(2) Counter repayment method: The borrower submits cash or credit card or savings card to the counter handler for processing.

V. Post-loan management

(1) Daily management: Track, manage, query and analyze the personal housing loans issued, including loan ledgers, daily loan notices, overdue loans Collection, post-loan inspection, inquiry and statistics, and daily custody of collateral until the loan is settled.

(2) Liquidation and withdrawal of mortgage: When the borrower repays all the principal and interest of the loan on time, the credit department shall write it off At the same time, fill in the "Register of Mortgage (Pledge) and Warrants" and notify the accounting department and mortgage custody department by filling in the "Notice of Transfer of Collateral and Pledge of China Construction Bank". The accounting department, custodial department, and custodial department will handle the account liquidation and withdrawal procedures based on the verification.

(3) File management: After credit handling personnel complete each loan, they will regularly collect all relevant information, submit the original contract to the file manager, and go through the relevant handover procedures. A copy of the contract shall be kept by a dedicated person in the credit department for daily management. After the principal and interest of the loan are settled, the credit department should notify the archives clerk to formally archive the files.