Credit loans can usually be approved within 5-7 days; Mortgage loan will involve more processes than credit loan, and it usually takes 15-20 working days to complete the approval; However, housing loans will be affected by local policies. If the bank loan is tight at present, it will take about 1 month or several months to complete the approval.

At the same time, the approval time of bank loans will also be affected by the loan peak season and low season. If it is the peak season, the loan approval will be relatively slow, while in the off-season, due to the small number of applicants, the approval speed will be much faster.

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Matters needing attention in bank loans

1. Apply for the loan amount according to your own ability.

When applying for a loan, you should have a correct understanding of your repayment ability, and at the same time make a correct and objective prediction of your future income and expenditure to avoid overdue due to your inability to repay the loan.

2. Choose the repayment method that suits you best.

Different repayment methods will lead to different interest expenses. There are two common repayment methods for general mortgage loans: equal principal and interest and average capital. The advantage of equal principal and interest repayment method is that the monthly repayment amount is the same, and the borrower can arrange the family's income and expenditure in a planned way. However, the interest will be more. The advantage of average capital is that the interest paid is less than the equal principal and interest. As time goes by, the burden of repayment will become lighter and lighter, but the amount to be repaid in the early stage is more.

3. Provide my information accurately and timely.

The address and contact information provided by the borrower to the bank must be accurate to facilitate bank contact. If there is any change, the borrower must contact the bank in time to inform the new address and contact information. The application materials provided to the bank should also be true and complete, otherwise it is likely that the loan will be directly refused.

How long can the loan be released after the loan?

Generally speaking, if it is not a large loan such as mortgage, the time from loan approval to loan issuance will not exceed 15 working days after the borrower provides the loan application.

Credit loans, in particular, can generally be completed on the same day. If it is a car loan or mortgage loan, the loan will generally be completed within 15-20 working days.

If it is a mortgage, the lending time is not necessarily.

After the borrower submits the mortgage application, the bank will write a loan application report according to the bank's credit application template after collecting the borrower's personal data, and report it to the branch for approval after being approved by the branch president. This time takes about 1-3 days.

After the borrower's information reaches the branch, there are still two links to go: review and approval.

The review process takes a long time, usually several days. Because auditors need to check whether the loan information is wrong one by one, such as why there are bad records on the credit report, and whether the income situation and salary flow are correct.

If any information is missing or inconsistent, the borrower needs to submit supplementary explanations.

The approval process is generally fast, which takes about 1-2 days.

It takes about 15 working days after the approval of the branch. After that, the bank needs to apply for mortgage registration, which takes about 7 days.

Finally, the bank needs to meet the borrower face to face, which takes a day. After the face-to-face signing is passed, the bank will generally lend the loan funds to the third-party account within 7 days. When lending money, banks usually send text messages or call to remind them.

If the borrower applies for a provident fund loan, it will take longer to lend because it involves the approval process of the provident fund center. Provident fund loans generally take 2-3 months from approval to lending.

Generally speaking, bank loan approvers will put forward some additional requirements according to the actual situation of users when approving loans, and banks will only lend money after users need to implement relevant conditions.

Before applying for a loan, the borrower can check whether there are overdue records in his personal credit report and whether the bank's running water in half a year meets the loan requirements.

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How to eliminate the number of personal credit inquiries?

No one can delete the credit record, and it will be automatically deleted from the credit report only when the time is up. Among them, bad credit records need to be eliminated after 5 years of bad behavior termination; Query records only show the records in the last two years, that is, each query record is pushed back two years according to the query time, that is, the time when it was eliminated.

But it doesn't mean that the borrower can't apply for a loan before the inquiry record is completely eliminated. As long as it takes about 36 months to properly maintain the credit information, most lending institutions will still recognize the borrower's qualification if there is no new inquiry record, no bad credit record and good personal repayment ability.

How long can a bank loan be released?

Generally speaking, different banks have different regulations and different approval processes, so the lending speed will be different. The specific situation requires lenders to follow the relevant regulations of banks. Under normal circumstances, it usually takes a borrower half a month to apply for a loan when the relevant loan conditions are met and the procedures are complete. However, it is normal to apply for a loan (such as mortgage loan) within one month, because it is very troublesome and the property needs to be mortgaged to the bank. \ Mortgage loan is a personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise provides phased guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to the mortgagor, and the beneficiary, as the repayment guarantor, transfers the property rights involved to the mortgagor immediately after the mortgagor pays off the loan, and the mortgagor enjoys the right to use in this process.

How long does it usually take a bank to lend money?

Under the condition that all materials are complete and approved, it usually takes 65,438+0-2 weeks to lend money, and generally it will not exceed 65,438+05 days, depending on the efficiency of the handling bank. Generally speaking, if it is not the end of the year, the loan will be faster.

Generally speaking, a bank loan lasts for 7- 15 days, provided that the customer's qualifications are good and the high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, such as personal work certificate, income certificate, personal credit report, etc. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is automobile mortgage, you need to provide a driver's license.

Second, the bank receives the information and checks its authenticity. After the approval, the applicants' qualifications will be graded, and those who meet the loan conditions will contact to sign a loan contract.

Third, after the two parties negotiate and sign the loan contract, the bank will release the funds, and the lender needs to repay the loan in full and on time every month. Usually, if it is a personal credit loan, it can be completed within one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, it may take a long time.

1. Loans to banks are usually divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has any illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the loan unit signs a contract with the customer and realizes the loan in the shortest time.

2. In fact, although the bank's lending speed is relatively slow when funds are tight, some users can still borrow quickly. There are three main reasons why they can speed up lending.

1) has something to do with the bank. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

2) Have a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

3) Let banks float higher loan interest rates. When the bank's funds are tight and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.