It takes about 15 days to apply for a mortgage in a rural commercial bank. The process needs approval.

1. The headquarters of the rural commercial bank went to audit.

2. If it is approved, you will be notified by phone or SMS to collect the house payment.

3. There are some differences in loan interest handled by different banks.

1. Beijing Rural Commercial Bank was restructured and established on June 10 and June 19, 2005. Its predecessor was Beijing Rural Credit Cooperative, which was established in June 195 1. It is the first provincial-level joint-stock rural commercial bank approved by the State Council, and its basic financial services cover all towns and villages in Beijing.

The scale of operation exceeded one trillion yuan, and the comprehensive operational strength reached a new level. Firmly establish and implement new development concepts, adhere to steady, sustainable and high-quality development, and continuously improve business quality. Successfully become a trillion-dollar commercial bank. In the Banker's ranking of global 1 0,000 banks in 2020, the asset size ranks 146, and the tier-one capital ranks 176. Asset quality and risk resilience are always superior to the national average level of commercial banks. In the "Top 40 Value Creation Rankings of China Banks", a number of value creation indicators are in the forefront. It won the title of "National Best Rural Commercial Bank" for nine consecutive years and was selected as "China 500 Most Valuable Brands" in the world brand laboratory for four consecutive years, and its brand image and social influence continued to improve.

Firmly grasp the strategic positioning of the capital city and actively support economic transformation and upgrading and improve quality and efficiency. Focusing on the coordinated development of Beijing-Tianjin-Hebei, the construction of urban sub-centers, the Winter Olympics and other key areas, we will actively follow up major livelihood projects such as rail transit and ecological protection, and continue to increase loans in key areas such as small and micro, agriculture-related, cultural and creative, and medium-and long-term manufacturing industries to fully meet the multi-level and diversified financing needs of market players. Adhere to the "green water and green mountains" with green finance, actively support the "Clean Air Plan of the Capital", and fully promote the development of green industries and circular economy.

Implement the strategy of revitalizing the capital countryside and fight hard against poverty with heart. We will continue to strengthen agricultural financial innovation and capital investment, and a series of special products such as special financing for collective construction land entering the market, phoenix rich agricultural card and phoenix rural tour will effectively meet the development needs of agriculture, rural areas and farmers. It has always been its responsibility to optimize the rural payment environment and credit environment, and actively innovate various modes such as rural convenience stores, rural self-service stores and agricultural withdrawal service points. We have 2,800 offline physical channels and strive to get through the "last mile" of financial services. Solidly promote counterpart assistance and "one enterprise and one village" pairing assistance, and achieve the goal of helping Miaoliang Village get rid of poverty ahead of schedule.

How long does it usually take for a mortgage to be approved?

After applying for a mortgage, some netizens said that they had not made a loan within 7 months. Some netizens said that the loan they applied for last Wednesday has already been released next Tuesday, and all the processes have been reviewed in just five working days. So why is bank lending sometimes fast and sometimes slow? Generally speaking, how long does it take to get approval after applying for a mortgage? The following small series will give you a brief explanation on this issue. After applying for a mortgage, the approval process will generally take 15 to 20 days, and the mortgage will generally be approved after 15 to 20 days. If your mortgage has not been approved for a long time, for example, some netizens say that they have not got a housing loan within 7 months, then it is likely that their qualifications are insufficient. Of course, this also needs the bank to remind. When the bank feels that you are not qualified, it should also send you text messages in various ways. At this time, you should stop waiting and fill in your information immediately. Regarding the application and approval process of housing loans, I would like to give you a brief supplement here. When we look at the house, we want to buy it through a bank loan. First, we need to submit an application for housing loan to the bank. After submission, the bank will review our loan application, sign a loan contract with us after successful review, and finally the bank will give us a loan. In general, the bank will review our loan application within 15~20 working days. In order to further understand the progress of our application submission, we can also contact the bank at any time. Finally, the speed of bank lending is also closely related to the adequacy of bank funds. If the bank is short of funds, the bank will lend more slowly. This time also needs us to wait.

How long does the rural commercial bank loan?

It takes 22-25 working days for rural commercial banks to approve mortgage houses, and then lend money. Mortgage loan procedures:

1. Select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign the purchase contract. After confirming that the buyer meets the mortgage loan conditions, issue a loan consent notice or a mortgage loan commitment letter to the buyer;

5. The buyer can sign a pre-sale contract with the developer or his agent;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Generally speaking, due to the long term of mortgage loans, banks require buyers to apply for personal insurance and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank as the purchase price of the purchaser;

10. The borrower shall repay the loan regularly as agreed in the contract.

: rural commercial banks mortgage prepayment process

1 Repay in full in advance.

After verifying the relevant materials, the loan bank shall go through all repayment procedures in advance.

2 Partial repayment in advance and the loan term remains unchanged.

The lending bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage+insurance and the mortgage registration is not handled, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insured amount with the original insurance policy, your ID card and relevant agreements. The final signed agreement shall be sent by the lending bank to the corresponding sub-center in time.

3 If the original loan guarantee method is mortgage+insurance and mortgage registration has been completed, and the borrower who chooses non-mortgage+insurance applies for partial repayment in advance and shortens the loan term: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center in time by the loan bank.

4 The original loan guarantee method was mortgage+insurance, which is still within the insurance period and has not been registered as mortgage: the borrower can apply for partial repayment in advance and shorten the loan period, or directly go to the guarantee center.

How long does it take for rural commercial banks to review their mortgage loans?

The time required for rural commercial bank mortgage review is related to the completeness, authenticity and personal qualification of the materials submitted by the applicant, which generally takes about 40 days. Users try to provide complete information to prove their personal qualifications when applying, which will speed up the examination and approval. At the same time, you can call the customer service hotline of the local rural commercial bank, or consult the specific approval progress at the counter of the rural commercial bank's business outlets.