The loan approval process is divided into two stages: approval and disbursement. Once the loan is approved, it does not mean that the loan will be disbursed. If the return call is not answered or the return call is not approved, the loan may be affected. issuance. In addition, changes in loan policies may also result in the inability to disburse funds. In this case, you can only consult the credit manager to find out what the specific reasons are, and then solve the problem based on the actual reasons.

In addition, if the bank card is not bound, the loan will not be issued. Bank loans are generally issued to the bound bank card. If the bank card is not bound, the bank will not issue the loan. If this is the case, it is recommended that you check whether a bank card is bound to the loan application. Only after binding will the lending institution lend money.

Because each institution disburses loans at different speeds, and bank loan quotas are also limited. When bank loan quotas are tight, loans naturally need to be queued. In this case, users just need to wait patiently.

1. Why the loan is not disbursed after passing the loan review

1. The status of the bank card provided is abnormal: Loans require a bank card. If the bank card is lost during the disbursement, If the lender later reports the loss and applies for a replacement card, the bank card originally provided will definitely not be able to receive repayments normally. In this case, it is recommended to contact the lending institution in time to modify the bank card information before disbursing the loan.

2. Failure to pass the second review: For example, for housing loans and car loans, although many banks have passed the review, they will check the credit of the borrower before disbursing the loan, mainly to see if there are any new major loans. amount of debt, whether you have borrowed consumer loans. People often borrow gold bars from JD.com and JD after loan approval. Once the bank finds out that these consumer loans are available, there is a 90% chance that the loan will be rejected directly.

3. Loans on working days: Some lending institutions often do not lend on weekends. After loan approval, they will lend on working days. If there is a holiday, the lending time will also be postponed, which requires a lot of time. Be patient and wait slowly. Or you can call directly after loan approval to inquire about the approximate disbursement time.

4. Insufficient quotas from lending institutions: For example, for housing loans and car loans, at the end of each year, you have to wait a long time for disbursements. The main reason is due to insufficient quotas. After all, banks have to collect loans at the end of the year. , there definitely won’t be that much loan limit. Generally, the loan will not be released until after the Chinese New Year.