What is the time and process of a business loan?

Hello, the loan is generally divided into the following steps: (1) The customer submits basic information, including the work unit and contact**. (2) The lending bank or company verifies the customer's credit information, including whether the customer's credit level has any illegal records, and for self-employed individuals and small and medium-sized enterprises, it also needs to investigate the business status of the customer.

3) The staff of the lending unit signs a contract with the customer and realizes the loan in the shortest possible time. If you need a small loan, it is recommended that you can choose a formal credit platform, "Youqian Hua" is the original financial credit service brand (original name: Youqian Hua, renamed "Youqian Hua" in June 2018), with the characteristics of easy application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately!

The maximum borrowing amount is 200,000.

Summary. Hello, I am happy to answer for you, the last part of the business loan process is to submit a loan application: when you have signed the contract for the sale and purchase of the house, you can apply for a business loan from the bank.

Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit all the materials approved by the bank to the bank for review, which is the most important step in the business loan process.

2. The bank accepts the investigation: After the bank receives the application materials of the loan applicant, it will review the materials, and the general review time for commercial loans is 15 working days, and the longest is not more than 1 month. During the investigation by the bank, the loan applicant will be asked to provide some additional information according to the situation, so the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and approval: The lending bank will verify several aspects: the situation of the house, the borrower's qualification and credit, etc.

This is a more important part of the business loan process, if the loan applicant's credit is bad, it will directly lead to the failure of the loan application, so it is important to accumulate good personal credit in life.

The last part of the business loan process is:

Hello, I am happy to answer for you, the last part of the business loan process is to submit a loan application: when you have signed the contract for the sale and purchase of the house, you can apply for a business loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit all the materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.

2. The bank accepts the investigation: After the bank receives the application materials of the loan applicant, it will review the materials, and the general review time for commercial loans is 15 working days, and the longest is not more than 1 month. During the investigation by the bank, the loan applicant will be asked to provide some additional information according to the situation, so the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and macro approval: The lending bank will verify several aspects: the situation of the house, the borrower's qualification and credit status, etc.

This is a more important part of the business loan process, if the loan application is bad credit, it will directly lead to the failure of the loan application, so it is important to accumulate good personal credit in life.

At the same time, go through the relevant guarantee procedures such as mortgage, guarantee, pledge and insurance. When signing the loan contract and going through the guarantee procedures, you must understand the details of the contract in detail and clarify your rights and obligations to avoid unnecessary misunderstandings. 5. Banks issue loans:

After the loan procedures are completed, the bank will transfer the loan funds to the real estate developer's account, the loan relationship will be established, and the lender will repay the loan according to the regulations.

Hope mine can help you

Commercial loans generally take about 15 working days, mainly related to the applicant's personal qualifications, and the longest will not exceed one month. The process of a business loan is as follows:

1. The borrower signs a contract with the developer to purchase a house, and needs to pay 30% of the purchase price, that is, the down payment.

2. It is necessary to submit personal purchase contract, personal work, bank statement certificate and other relevant information.

3. The bank will review your application, verify the authenticity of the information, and evaluate the comprehensive qualifications of the individual.

4. After passing the examination, sign a loan agreement with the bank and go through the relevant guarantee procedures such as mortgage, guarantee, and rolling pledge.

5. After completion, the bank will release the loan to your bank account, and the borrower will repay the loan on time.

I believe that most friends who buy a house will choose the form of loan when buying a house, and there are different types of loans: provident fund loans, commercial loans and portfolio loans, etc. Compared with provident fund loans, commercial loans have lower requirements for Zhongzen pure lenders, so there will be many points to choose commercial loans.

But what exactly is a business loan? What are the processes? These are all things that everyone should do their homework before taking out a loan to buy a house.

I. Definition of Commercial LoansCommercial loans, also known as personal housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, mainly to enable urban residents to have enough money to pay for their own ordinary housing, and implement the statutory loan interest rate.

2. The first step in the process of commercial loans: signing a contract to pay taxes is the first step in the process of buying a house with a loan. Signing mainly means that the buyer needs to purchase the house and sign the "pre-sale contract" and "sale and purchase contract" with the developer; Then pay the down payment according to the specific requirements of the developer; Pay stamp duty with the developer at the rate of 0 5 of the house price.

Step 2: Submit a Loan SaleThe most tedious and important step in the process of applying for a loan to buy a house is to submit an application. Different from the housing provident fund loan to buy a house, a commercial loan to buy a house must fill in and submit relevant information according to the regulations.

1. Fill in the application materials: including "Personal Housing Loan Application Form", "Personal Housing Loan Loan Contract", "Loan Housing Ownership Certificate Receipt and Mortgage Contract", Power of Attorney, Letter of Commitment, etc.

2. Submit application materials:

1) ID card, household registration booklet, temporary residence permit, marriage certificate, academic certificate and other relevant certificates of the applicant and his or her spouse.

2) The original purchase agreement.

3) Proof of the applicant's family income and relevant assets, including salary slips, individual income tax bills, income certificates issued by the unit, bank deposit certificates, etc. In the process of knowing how to take out a loan to buy a house, you will find that the process of buying a house with a housing provident fund loan is the same, and after completing the above-mentioned loan to buy a house, the application is considered to be completed, and then you have to wait for the bank's approval. Step 3:

Based on the information provided by the lender, the bank will review the lender's creditworthiness, loan amount, loan term, etc. This step of the loan purchase procedure is led by the bank, which is the key to the success of the loan application. Step 4:

After signing the loan-related contract, the bank approves the contract and signs a series of contract documents with the lender. Most people think that once the contract is signed, the process of buying a house with a loan is over. Of course, this is only the completion of most of the work in the loan purchase procedure, and the next step is to repay the loan on a monthly basis.

Step 5: The lender repays the loan on a monthly basis, and the last step in the process of buying a house is to repay the loan. It is not until the loan is fully repaid that the whole process of buying a house with a loan is truly over.

1. Submit loan materials.

In general, you can choose one of the cooperative banks designated by the developer to apply for a loan, and hand over the required documents to the bank staff.

2. Loan qualification review.

Banks mainly review the authenticity and completeness of personal information, personal credit records and income. (See the conditions of the business loan above).

3. Sign the loan contract.

After receiving the materials, the bank will review them, and the commercial loan will generally take 7 to 10 working days (the specific review time is subject to each bank). After the review is passed, a formal loan contract will be signed.

4. Loan issuance.

After the bank completes the loan process, it will directly issue the loan to the developer, and the applicant needs to repay the loan to the bank every month. (If it is an off-plan property, the bank will bury the loan after the off-plan property is capped.) ）

1. How long does it take for a provident fund loan to be completed?

CPF loans can generally be processed within 19 working days. The process of applying for a CPF loan is as follows:

1. Apply for a loan. The borrower submits the loan materials to the local provident fund management center and fills in the application form;

2. Loan review. The provident fund center will conduct a preliminary review, mainly looking at two aspects, one is the borrower's creditworthiness, the other is the evaluation of the collateral, or the review of the guarantee qualification of the guarantee center;

3. Sign the contract. If the review is passed, the borrower can sign a loan contract with the provident fund center;

4. Bank review. After signing the contract, the provident fund center will transfer the loan materials to the bank, and the bank will conduct another review;

5. Bank loans. If the borrower meets the conditions for the loan, the bank will grant the loan.

2. What is the process of handling the second-hand real estate certificate?

1. Sign the contract and pay the deposit;

2. Go to the bank to apply for a housing loan;

3. The bank appoints a lawyer to talk to the applicant and review the relevant information of the loan applicant (including identity documents, income certificates, etc.);

4. The bank appoints an appraiser to evaluate the ** property and determine the appraisal value;

5. The lawyer issues the "Legal Opinion" and the appraiser issues the "Evaluation Report", which shall be sent to the bank for review together with the relevant materials submitted by the applicant;

6. After the bank determines that the applicant has the loan conditions, it will issue a loan commitment letter (the bank determines the loan amount according to the assessment, and the loan amount issued is generally 70 of the assessment;

7. After the bank issues the loan commitment, notify the buyer and seller to go through the transfer procedures;

8. The buyer and the seller should go to the real estate bureau at the same time to handle the transfer and submit the relevant information, in most cases, the buyer should pay the down payment to the property owner on the day of the transfer of property rights at the latest, or the down payment can be paid on the date of signing the contract as agreed, and some banks require the down payment to be handed over to the bank within a few working days after the loan application is submitted and temporarily frozen by the bank;

9. After the transfer, the bank will transfer the loan part of the money to the original owner within a few working days;

10. After the issuance of the real estate certificate of the new property owner (loan applicant), the property right certificate shall be kept in the bank or the original property right certificate stamped with the mortgage registration seal shall be handed over to the new property owner after the mortgage registration is registered.

1. Submit an application and prepare for the interview.

The buyer and seller bring all the relevant materials and go to the bank. Collect and fill in the application form for personal loan for second-hand housing, and submit all materials to the staff for review after filling it out. The staff will make a preliminary assessment of the materials and give the approximate loan amount and term.

Finally, the three parties agree on the time, and the bank will contact the designated real estate appraisal agency to go to the house for evaluation.

2. The bank will value the house for which the loan is applied.

Generally, banks will be assessed by a professional institution. Generally, the report will be issued within 3-7 working days, and the evaluation fee is generally 600 yuan.

3. Bank approval.

The bank will review the qualifications of the loan applicant, and after meeting the conditions, the bank will approve the loan amount and term according to the housing appraisal and the qualifications of the comprehensive lender. After the approval is approved, the bank will issue a letter of approval to prove to the seller that the bank agrees to lend to the buyer, and the seller can rest assured that the house will be transferred to the buyer. This process is generally 7-10 business days.

Fourth, pay taxes and transfer ownership, and obtain a new property right certificate.

After approval, the buyer and seller can transfer the ownership. It takes about 1-10 working days to pay the tax transfer to get the new property right certificate, and the time varies from district to county, and the actual operation shall prevail.

5. Give the property right certificate to the bank as collateral.

Mortgage registration, mortgage the property right certificate to the bank, and issue other rights certificates.

6. Bank loans.

In accordance with the loan contract, the bank shall transfer the loan to the seller's deposit account opened with the lending bank in one or two installments.