How many days can postal high-quality enjoyment be approved?

1. How many days can postal high-quality enjoyment be approved?

Generally, it takes about 7 working days for postal quality audit, and the loan can be released within 15 days after approval.

First, the postal preferential loan-how many days of high-quality loans?

Postal preferential loans are credit loans to designated high-quality units. Many people applied for preferential postal loans. The review of political preferential loans generally takes about 7 working days, and the loans will be issued within 15 days after approval. The specific time is subject to the actual lending time. Generally speaking, the speed of the examination will depend on the applicant's personal qualifications. The higher the user's personal qualification, the faster the test speed will naturally be. You can check the loan approval and lending progress through the loans of Postal Savings Bank and mobile banking. If the preferential loan for postal savings has not been issued within the specified time, you can call the customer service of the Postal Savings Bank for consultation. In addition, after the preferential postal loan is issued, the applicant must repay it on time. If there is any overdue behavior, the system will upload the overdue records to the central bank for credit reporting, which will affect personal credit reporting.

Second, enterprises like banks have the stage of signing large loan contracts, and usually lend money in a few days.

Just because you sign a contract doesn't mean you can definitely release it! Zhao Wei and his wife borrowed money from CITIC before, but CITIC re-examined it and refused to lend money; The contract is signed by one department, and the large quantity needs to be discussed at different levels! There are many factors to consider before making a final decision! Generally speaking, the larger the amount, the longer the time. In addition to your background, highly recommend the financing party or company!

Third, how long does it take for large enterprises to lend money?

Loans for large enterprises will generally arrive within 15 working days, and will not exceed 25 days at the latest. However, it should be noted that when the loan has been approved, banks will be more cautious in approving large loans of enterprises than ordinary people and will examine more information. In addition to business license, tax registration, etc. We will also check the operation of public bills and payroll bills. In general, it takes about 15 working days for banks to approve loan applications for corporate loans. : 1. A large loan is a loan that exceeds the agreed limit. Its standards are formulated by the Federal National Mortgage Association (Fannie Mae) and the Federal Housing Mortgage Corporation (Freddie Mac). For loan providers, large loans are risky, so their interest rates are also high. These loans have a loan balance limit. According to the average house price published by the Federal Housing Finance Agency (including new houses and old houses), the maximum loan amount of one to four families varies from year to year. These loan limits are called uniform limits. 2. Pipeline risk is the risk related to the issuance of housing mortgage loans. Including price risk and transaction interruption risk. The former means that if the mortgage interest rate in the market rises, it will have a negative impact on the value of the ongoing loans. The latter means that the applicant or anyone who receives the letter of commitment finally decides not to complete the transaction, that is, not to borrow money from the sponsor of the mortgage loan to buy a house. 3. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Principles "Three Principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

4. How long does it take from loan to loan?

"I recently sold a house, and the customer is now ready to apply for a loan. How long will it take from his loan to my payment? "

A: Mortgage registration is required after transfer. After the mortgage is completed, the general commercial loan is 15-20 working days, and the time before the transfer depends on the cooperation between the two parties. Taking Beijing as an example, it takes about 30 working days for commercial loans, 45 working days for municipal provident fund, 60 working days for state-managed provident fund and 120 working days for joint loans.

"What are the procedures in the middle?"

A: Process {signing a contract (paying a down payment at the same time)-If your house has a loan, you need to redeem it (and make an appointment with the bank to repay the loan in advance, raise funds by yourself or use the buyer's down payment) (the link without the loan is omitted)-Online signing (online signing of the contract between the seller and the buyer)-Evaluation (and evaluation of the company's market value of the real estate)-Face-to-face signing (that is, the buyer applies for a loan from the bank, and the loan goes to buy the seller's house for purchase The loan fund is the seller)-loan approval (the commercial loan has a loan approval letter and the provident fund has an acceptance form)-transfer (the buyer and the seller pay taxes and transfer property rights (i.e. transfer)-mortgage registration (the buyer's new property right certificate is mortgaged by the bank)-loan (i.e. the buyer's loan fund is distributed from the bank to the seller's reserved account)-house delivery (the two parties handle the house handover (i.e. settle all expenses).

I hope I can help you.