The phased approval of China Construction Bank generally takes about 15 to 20 days, depending on the identity and qualification of the applicant. After the outlets submit the materials, the sub-branches and branches will review the materials respectively, and the review time will be about 2-3 days. During the review process, they will receive a return call.

After approval, SMS will be sent to users and cards will be mailed. If you receive a text message, you will receive the card in about 5 working days.

At present, there are generally two kinds of customers who use installment loans, one is credit card customers and the other is mortgage customers. If it is a credit card customer, the time is about 15 days, and if it is a mortgage customer, it takes 20 days, because the mortgage customer needs to apply for a credit card on the spot, so the time will be longer.

2. How long will it take for CCB to pass the examination and approval in stages?

Many customers want to know how long it will take to approve the installment of CCB. It depends on the identity and qualification of the applicant. At present, there are two groups that are most likely to become loan experiencers, namely mortgage customers and credit card customers. The approval time of the two groups is different: 1, and the approval time of credit card customers is shorter, and the approval result can be obtained in about 15 days; 2. If the mortgage customer does not have a credit card, the approval time will be longer, because it takes about 20 days to apply for a credit card at CCB Branch. 1. installment payment refers to the installment payment business in which customers with good credit records, stable professional income and normal consumption behavior are granted a special installment pre-credit line in advance by the bank to meet the daily demand for large-scale consumer credit, and the customers can spend at designated merchants after successful handling. Business covers a wide range of consumer areas, such as large-scale durable goods consumption, wedding, parenting, settling down, tax payment, health and so on. Generally, you can choose 6/12/18/24/36/48/66 (month) to pay the handling fee for the corresponding period. In fact, it is a consumer installment loan business with reasonable interest, which is more suitable for people who need funds. 2. What is the installment rate and service cycle? For installment business, you can freely choose 6, 12, 18, 24, 36, 48 and 60 installments (months) for installment payment. The handling fee is charged on a monthly basis, with a monthly handling fee of 0.5%. Before March 3, 20 19 (subject to the date of submitting the application for installment of longka credit card), we will handle the installment business of longka credit card in Liaoning (except Dalian), Guangxi, Shandong (except Qingdao), Hubei, Guizhou, Gansu, Jiangsu, Shenzhen, Hebei, Shanghai and Jilin. Customers in Chongqing, Qingdao, Shaanxi, Fujian (except Xiamen) and Beijing can enjoy a 20% discount on the handling fee rate. After the discount, the monthly handling fee rate is only 0.4%. The handling fee payable by the cardholder in each installment = actual installment payment amount x monthly handling fee rate. According to the number of transaction periods, the handling fee will be recorded monthly from the first billing date after the transaction is completed, and will be fully included in the minimum repayment amount of the credit card. If the amount due in the current period listed in the bill is fully repaid before the due repayment date, you can enjoy interest-free treatment, and interest is not included.

Three. How long does it usually take CCB to approve installment loans?

It usually takes 22-25 working days.

Information and process required for handling provident fund loans:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

1. The bank accepts and reviews the loan application with complete information in time and submits it to the provident fund center in time.

2, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

4. How long does it take for CCB to audit by stages?

Whether the installment of CCB can be approved depends on your personal situation, but it is impossible to predict in advance. The specific approval time is subject to the bank and will vary according to individual circumstances. The approval time is 7 working days. If the credit card and installment pass are approved, the bank will give your credit card a special installment amount. After reaching the amount, you can go to CCB outlets to complete the installment transaction, transfer the money to the special consumption card, and then use it at the designated merchants. Please note that this special amount exceeds the limit of your credit card itself and cannot be recovered.