Not necessarily. Under normal circumstances, commercial loans will be issued 15 and a half days after the same loan; Provident fund loans are loans for three months after the same loan; A portfolio loan is a loan issued three months after the same loan;
Extended data
Loan agreement refers to a loan agreement, a form that is needed when applying for a loan. The so-called bank loan agreement refers to the letter of intent issued by the lending bank to the borrower to agree to the loan. Its main purpose is to prove the borrower's credit status and repayment ability, which has legal effect in essence. However, there is also a time limit.
Generally speaking, the validity period of bank loans is 1-3 months. According to the report, there are some differences in the loan books of banks. The loan books of some banks clearly indicate the loan amount and interest rate, that is, within the validity period of the loan book, the borrower will implement the relevant matters agreed in the loan book.
Loan principle:
The "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.
How long will the loan book come down?
How long it takes a bank to issue the same loan depends on the speed of the bank. Generally speaking, the same loan can be issued in a week or so with complete information. It should be noted that the loan agreement only indicates the bank's intention to lend money, and the loan agreement is not a loan contract. Whether the bank will lend money in the end depends on all kinds of relevant information provided by the borrower to the bank later. It is also impossible to know how long it will take for the bank to issue a loan agreement. The speed of bank lending is not only related to loan information, but also related to factors such as bank credit line and product layout.
After the loan is approved, how long will it take to issue the same loan?
1. How long does it take to issue a loan agreement after the loan is approved?
The loan approval itself indicates the loan approval result, and the role of the loan agreement is also to inform the loan approval result, so the lender may have issued the loan agreement or may not have used the loan agreement.
The bank loan agreement generally refers to the bank loan agreement, and the popular saying is the notice that the bank initially agrees to lend money. If the loan is rejected, the user will also be informed in the bank loan agreement. So after receiving the bank loan agreement, you can check whether the bank agrees or refuses the loan.
In addition, some banks give users the notice of loan approval results, just like bank loan letters. But for users, what users need to know is the loan audit result, no matter what form this result exists.
Second, how long does it take to approve bank loans?
There are many kinds of bank loans, such as general credit loans, consumer loans and commercial loans. , you can apply online directly, and the approval time is relatively short, 1-3 days; If it is a mortgage, the bank approval time is longer, ranging from ten days to more than one month.
How long will it take for the actual bank loan to be approved depends on the time when the result is approved. In addition, due to the different loan approval processes and rigor of different banks, the time required for approval will be different.
If there is no result in the approval of bank loans, you can contact the bank actively to ask the reason, whether it is because of personal credit problems or internal reasons of the bank.
3. How long does it usually take for a bank loan to be released after it is approved?
General bank loans will be completed within one week after the loan is approved. If it is a mortgage, it depends on whether the current bank lending funds are tight. If funds are tight, it may take 1 month or even longer to lend money. With sufficient funds, the loan can be completed in a week or two.
In addition, the lending time of different loan products is not necessarily, such as credit loan business, which can be completed on the same day at the earliest.
What's the difference between a bank loan approval notice and a loan commitment letter?
The bank's loan approval notice is a written notice to inform the lender after approval, while the loan commitment letter is a commitment letter for the lender to apply to the loan bank.
1. Loan approval is a process in which the person in charge of credit business conducts "finding out the facts, mastering the policies and determining the loan" according to the loan application and pre-loan investigation opinions within the prescribed approval authority. Working capital loans shall be subject to three-level examination and approval system. The leaders in charge are responsible for the decision-making of the loan issuance results. Identify the facts, that is, the approver re-examines the reasons and uses of loans provided by enterprises and loan personnel, and correctly identifies its nature. Grasp the policy, and finally decide whether to lend or not, whether to lend more or not, on the basis of ascertaining the facts and according to the credit policy determined by the state and higher-level banks. Determine the loan mainly to determine the loan amount, repayment period, interest rate and loan method.
2. Loan Commitment Letter A legally binding formal agreement reached between the World Bank and the borrower. During the effective commitment period, the bank is ready to provide loans at any time according to the requirements of customers, according to the conditions, amount and interest rate agreed by both parties, and has the right to charge the borrower a commitment fee. The process is as follows:
1) submit a written application.
2) In addition to providing basic production, operation and financial information, the following project information shall also be provided:
(1) For government-invested projects, provide the approval documents of the competent authorities, feasibility study reports and approval documents provided by qualified institutions;
(2) according to the requirements of the relevant departments, provide environmental assessment reports and approval documents, special industry approval documents and other approval documents;
(3) Proof materials for the implementation of capital and other construction and production capital plans and sources of funds;
(4) Other preparatory work.
3. If it is a mortgage, you need to provide a letter of commitment issued by the bank (that is, the loan approval notice you mentioned) when transferring the ownership, because the transaction method is indicated in the sales contract, and this must be included in the relevant information of the mortgage method, and the transfer can only be made if the loan has been clearly indicated. If the bank does not complete the examination and approval, it cannot issue a letter of commitment.
4. If you don't want a loan:
The buyer can negotiate with the bank to solve the problem, but it needs to bear the liability for breach of contract. You can cancel the loan before it is issued, but you can't cancel it after it is issued. You can only pay off the loan.
What does the same loan mean?
Hello, in banking terms, it means to apply for a loan agreement, and you can lend money about 15 days after the general commercial loan is issued. Please refer to the above answers provided by Ronglian Ye Wei.
Is the bank loan forecast serious?
The notice of early maturity of bank loans is very serious. Usually, only customers who are seriously overdue in repayment will receive the notice of early maturity of bank loans, which means that all loans will be paid off in advance, regardless of the loan amount, which may also affect personal credit information. This is a very serious matter, because once notified, it is difficult for other banks and institutions to get loans, and they may even be liable for non-repayment.
1. 1. What does the early maturity notice mean?
At present, there are disputes about the nature and definition of such rights in theoretical circles. Some people think that announcing the early maturity of the loan means that both parties terminate the contract, while others think that announcing the early maturity of the loan is not to terminate the contract, but to modify the performance period of the contract, which is the right to continue to perform the contract while maintaining the effectiveness of the contract, in parallel with the right to claim to terminate the contract. Announcing the early maturity of the loan is only a kind of relief for the lender's own rights when the contractual situation occurs, and it is also a right claim to accelerate the maturity of the loan.
Two. Relevant laws and regulations
According to Article 203 of the Contract Law, "If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract." Article 167 of the Contract Law stipulates: "If the buyer pays the due price by installments, and the amount reaches one fifth of the total price, the seller may require the buyer to pay the total price or terminate the contract. If the seller terminates the contract, he may require the buyer to pay the royalties of the subject matter. " Announcing the maturity of the loan in advance is not one of the ways to terminate the contract. Admittedly, the consequences may be the same, but the legal significance is different.
It can be seen that as long as you receive the notice that the bank loan expires in advance, you need to correct your behavior in time and pay off all the loans. If the amount is too large to pay back the money, the bank may sue the person, take enforcement action, and even auction real estate and fixed assets. I suggest that you pay back the loan regularly.