1. The results will be available in about a week, but you should know when you apply for a bank loan. For different banks, in addition to the audit and approval process, they have to go through other processes, so they need more time. At this time, it takes about 15 days from the start of application to the loan.

2. It doesn't take a long time to apply for a mortgage, because the bank's approval and review are very simple, unlike ordinary loans, so the whole process takes less time than ordinary loans. Generally speaking, the loan can be approved in a week or so, and the time is not particularly long.

How to query the progress of loan approval

1. Telephone consultation: No matter banks or other lending institutions, you can call their customer service, and the institutions will have specialized personnel to provide you with consulting services. You only need to provide your identity and loan information, and they will help you check and tell you how your loan approval is progressing.

2. Inquiry in official website: Generally, banks or other lending institutions have their own official website. You can inquire about the progress of loan approval in official website. You can enter your account, find the loan progress query in the function bar, and then click Query to know your loan approval progress.

3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards and go to the bank counter or the lobby of other lending institutions to inquire. This is also a very convenient way for staff to help you check the progress of loan approval.

4. Contact the account manager: When applying for a loan, it is usually negotiated by the account manager, and the applicant can directly consult the account manager if he has any questions. So you can directly find the account manager who helped you with the loan and ask him to help you inquire, so that you can quickly know the progress of your loan approval, which is also relatively simple and convenient.

5, app query; Now many banks and some lending institutions have their own apps, and there will also be a loan progress inquiry bar in the app. Click Query directly to check their loan approval progress through app.

Loan review usually takes several days.

Generally speaking, the time for banks to approve loans will not exceed one month. For each loan product, due to the different materials that the lender needs to prepare and the different number of applicants, the time for loan approval will be different, which depends on the approval efficiency of the bank.

For example, car loans, because the amount involved in car loans is generally small, and there is a vehicle mortgage, the bank's review time will not be too long. Generally, the audit results and even the next payment will be issued within one week, which is more convenient.

Banks do not need collateral for personal consumption credit loans. They need to submit relevant materials, and the review is relatively strict. After comprehensive evaluation, you can apply. The minimum amount is 50,000 yuan, and the maximum amount is not more than 3 million yuan.

The process of handling personal credit is as follows:

First of all, prepare information, the information needed for bank loans:

Including loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (if a spouse needs to provide it, it is not required). After preparing the relevant materials, the applicant submits the relevant materials and the fees payable by the applicant to the bank with the loan application form, and then the applicant signs a loan contract with the bank as a legal document of both parties.

The next step is to start reviewing. If it is a house purchase loan, the bank will conduct a preliminary examination first, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged. Finally, after the customer's relevant procedures are completed, the bank will evaluate the borrower, approve the loan and submit it to the superior for approval. Subsequently, the staff informed the borrower of the loan amount, term, interest rate and other detailed information, and transferred the money to the customer account.

Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Please note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years;

5. Customers blacklisted in the credit information system cannot apply for loans;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.

How long does it take to review the bank loan?

It takes about 15 working days from the submission of materials to the completion of the review of bank loans, and the review speed will vary according to the qualifications of banks and individuals, depending on the actual time when the relevant loans pass the review.

Under normal circumstances, the more complete the application materials submitted by the loan applicant, the better the personal qualification and the faster the time to pass the examination. If you haven't received the examination notice for a long time, you can call the relevant bank directly to inquire.

Relevant users need to repay on time after applying for bank loans to avoid bad records on personal credit information due to overdue.

How long does it take for the bank to review the loan information?

The time for banks to review loan information is not fixed, some only take one or two days, and some may take one month or even longer. Different loan products, different banks, at different time periods, it takes different time to review loan information.

In order to shorten the time for the bank to examine and approve materials as much as possible, the materials submitted by the lender must be detailed and meticulous. If you have questions about the loan, you can also communicate with the loan bank in time to see where the loan went. Generally, just wait patiently.

How long does it take for the bank to approve the loan?

First of all, answer directly.

Two or three weeks.

Second, the specific analysis of the mortgage after entering the approval process, it usually takes about two or three weeks to issue the approval results. At that time, the bank will immediately notify whether it is approved or not.

After receiving the approval notice, you should go to the bank outlet to sign the loan contract and go through the mortgage registration and other related procedures within the agreed time. This link will take about three to five working days. After that, the bank will enter the lending process, and generally release the loan funds in place within one or two months.

It should be noted that if the mortgage business happens to be busy and the loan amount is tight, the approval and lending may be delayed. If it can be approved in two or three months under normal circumstances, if something is delayed, I am afraid it will take three to five months, or even more than half a year.

In this regard, it is recommended to wait patiently. If the waiting time is too long and the real estate developer has not received the remaining house payment, you can contact the bank to inquire about the specific situation. If the bank can't handle the mortgage, he can only change to another bank.

Before applying for a loan, you can go to Winnie Hsin to check your credit status. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.

3. Will the mortgage be approved again after it is approved?

Mortgage approval is divided into pre-approval and formal approval. Pre-approval can only show that the user meets the conditions of mortgage application. At this point, the second audit will determine whether the user's mortgage application can be successful.

The bank will comprehensively evaluate the credit qualification conditions of users, and the specific audit results will be subject to the results notified by the bank. After the user's mortgage is approved, the user needs to sign a mortgage contract with the bank in person. If the audit fails, the bank will return the user's mortgage application materials.

Let's talk about how long it will take to review the loan information.