For the time of lending, the bank will determine according to the bank's own credit line. If the credit is completed, the loan can be released within one week.

Generally speaking, as long as a car buyer has a good credit record, he can get a car loan from China Construction Bank quickly.

Generally speaking, the nuclear process adopts a four-level examination and approval system, that is, loan officer → due diligence → credit section chief → president in charge of personal financial business, with different examination and approval priorities. This approval time requires the cooperation of many units and companies, so it takes some time. The longest normal working day of China Construction Bank's auto loan shall not exceed 1 month.

Second, how long does it take for banks to lend money to 4s stores?

The general bank loan 1 can reach the 4s shop account within 2 working days. You need to submit good loan information to borrow a car in a 4s shop. If the loan information submitted is not good, the bank is likely to refuse it. It is best to consult the bank before handling the loan.

When users apply for car loans, it is best to ensure that their personal credit information is good, and the bank will refuse if their personal credit information is not good. It is best to provide a good proof of income when handling a car loan. At this time, the bank knows that your repayment ability is strong and will not worry that users will not be able to afford it in the future. At this time, it will lend you money with confidence.

When handling car loans in banks, you can compare several banks and then choose the bank with low loan interest rate. When a bank with a low loan interest rate handles a loan, it can pay less interest, which is conducive to subsequent repayment. However, when lending, we should also know whether the loan amount given by the bank meets our own needs.

After the car loan is processed, the borrower must repay the loan on time, and there can be no overdue repayment. After all, the bank will charge a penalty interest after overdue repayment. The longer the delay, the more penalty interest will be charged. Moreover, it will affect personal credit information after it is overdue, and it will affect individuals to handle various loans after the credit information becomes worse.

Third, how many days does it take for a bank loan to buy a car?

The basic process of applying for car purchase by installment with Longka credit card is:

(1) The customer first selects a car at the dealer and tests it, and negotiates with the dealer to determine the purchase price;

(2) Show your credit card and ID card, and fill in the installment payment application form;

(3) Distributor submits customer application materials to CCB;

(4) After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities;

⑤ After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car;

⑥ Repay by monthly installments through Longka credit card. After submitting the information, you need some time to pay the down payment. After the down payment is completed, it will take some time for the credit card exclusive quota to arrive. As far as I know, it will take about 2 weeks altogether. Because there are many loans to buy a car now, the bank's monthly loan amount is not enough, so the loan time will be slightly two days later. If the exclusive quota is in place, I will inform you by SMS. After receiving the text message, you can take your credit card to the 4S store and swipe your card to take the car home.

4. How long can a bank car loan be released?

If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract. Finally, the bank issues loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.