The time for bank approval varies according to the loan type. The following are five common approval times for bank loans: housing mortgage loans: the approval time is 15 working days to 1 month. Car loan: the approval time is about 15 working days. Personal consumption loan: online approval time 1-3 working days, offline approval time 1-2 weeks. Credit loan: the approval time is 7- 10 working days. Provident fund loan: the approval time is about 7 working days.

How long does the approval process take? This is a problem that many people are very concerned about. It doesn't take a long time to apply for a mortgage, because the bank's approval and audit 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, not very long.

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1, approval speed of banks

However, the approval speed of bank loans is relatively fast, and the results can be produced in a week or so. However, when handling bank loans, we should know that different banks need to go through other processes and approval processes besides auditing, so it takes more time. At this time, it takes about 15 days from the start of application to the loan. Why are some banks lending so slowly? Some people find this problem when they apply for mortgage loans. Some banks lend very slowly. What is the reason? In fact, this is not the reason of the bank. More importantly, by the end of the year or at other times, the bank's funds may be tight and the lending speed will be much slower. So it is best not to buy a house at the end of the year, but at the beginning of the year.

2. Generally, it takes 65,438+0 weeks to apply for a loan and 65,438+05 days to apply for a loan.

However, there may be a banking situation, which may be delayed for 2-3 months. In order to avoid this situation, we must avoid bank hours. Telephone consultation: Banks and other lending institutions can call their customer service numbers. There will be someone in the organization 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 the progress of loan approval. Official website Inquiry: Generally, banks or other lending institutions have their own official website, and you can inquire about the loan approval progress in official website. You can enter your account and find the loan progress query in the function bar. You can click Query to know the progress of your loan approval.

3. Counter inquiry

Friends with plenty of time can also bring their ID cards and loan bank cards to the bank counter or the lobby of other lending institutions, and ask the staff to help you check the progress of loan approval. This is also a very convenient method. Contact the account manager: When applying for a loan, the account manager will generally negotiate. If the applicant has any questions, he can also consult the account manager directly. So you can directly find the account manager who helped you with the loan and ask him to help you inquire. In this way, you can quickly understand your own loan approval progress, which is also relatively simple and easy.

Step 4 Apply the 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 the progress of loan approval through APP. First of all, banks are different from other financial institutions in terms of bank loans. Different from other unofficial financial institutions, they belong to national official formal financial institutions. Formal official financial institutions certainly have unusual requirements for loans. After all, there are too many people in the world who need loans. Not everyone can get a loan, there are thresholds and conditions.

5. The conditions and thresholds of bank loans vary greatly.

As we all know, bank loans can be divided into mortgage loans. This condition is very high, because it is a kind of credit loan. The bank will conduct a comprehensive review of your assets, income and credit investigation, and meet the relevant conditions after investigation; Or find a guarantor who needs better assets, income and credit investigation. At this time, the bank will appropriately lower the conditions and threshold of your loan. Mortgage means that you need to mortgage your property to the bank to get a loan.

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

Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster. Conditions for applying for mortgage: China citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, under the age of 65 (inclusive), with full capacity for civil conduct; Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; Have a good credit record and willingness to repay, and no bad credit record; Being able to provide legal, effective and reliable guarantees recognized by the bank; There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions; Open a personal settlement account in a bank; Other conditions stipulated by the bank. Materials to be prepared for the loan business of house buyers: 1. Provident fund loan: (1) the identity certificate of the lender, spouse and borrower and the marriage certificate; (2) Borrower's (husband and wife's) bank card; (3) Purchase contract or agreement. 2。 Portfolio loan: (1) borrower (husband and wife) bank card; (2) the borrower and the borrower's professional income certificate; (3) Purchase contract or agreement. 3。 Commercial loan: (1) The borrower's professional income certificate is the same as that of * * *; (2) Purchase contract or agreement. Summary: It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage. Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete. Generally speaking, when buying a house by loan, the loan speed of the second-hand house is faster than that of the new house, because there are more banks that buyers can choose when handling the second-hand house loan, and there are slightly fewer applicants corresponding to the banks. However, when buyers buy new houses, most of them apply for loans at banks designated by developers, so the timeliness is slow. Generally speaking, the term of commercial loans for new houses is less than one month, the provident fund is generally longer, which may reach 2-3 months, and the provident fund can reach less than one month.

How long does it take for the mortgage bank to approve? There is no standard answer.

Because the requirements of each bank are different, the standards of approval are different, and even the approval speed of the same bank in different periods is different.

Under normal circumstances, it only takes about half a month for banks to approve loans.

The bank's mortgage approval is slow. The whole process takes about half a month from the submission of materials to the bank submission and then to the examination and approval. In this process, the bank will focus on verifying the authenticity of everyone's information, and check whether everyone's bank flow and credit information meet the requirements of the bank.

If everyone meets the requirements of the bank in all aspects, the bank will generally give the approval result within 15 days after everyone submits the information.

Of course, it depends on the number of customers. If a large number of customers apply for mortgage loans, the approval time will be relatively long. On the contrary, if fewer people apply for mortgage loans, the approval time will be relatively short.

As for how long it takes for the bank to lend money after approval, it depends on the entity.

The approval of bank mortgage does not mean immediate lending, but also depends on the looseness of bank funds.

Under normal circumstances, if the bank has sufficient funds, the loan can be basically completed within 1~2 weeks after the loan is approved, and the whole mortgage application process only takes about one month.

However, if the bank is short of funds, it will take a long time to lend money. Sometimes it is normal for individual banks not to lend money for more than half a year after mortgage approval.

For example, from the second half of 20 18 to the first half of 20 19, at that time, because of strict supervision and tight bank mortgage quota, many bank mortgages were slow at that time.

After most bank loans were approved, they had to wait in line for loans. At that time, most banks had to wait more than two months to lend money, and some banks even had to wait more than six months to lend money.

How can we speed up the lending of mortgage?

When bank funds are tight, the speed of mortgage lending is relatively slow. At this time, many people are anxious. For example, some people can live in a house normally when the mortgage is approved, and treat the house as a wedding room.

Bank lending is slow. What can be done to improve the speed of mortgage lending?

In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

First, it has something to do with banks. 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.

Second, there is 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.

Third, let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

It is common for some banks to lend for three or four months. Bank loan procedures: 1. Loan application. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1 Basic information of the borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting and auditing firm, and the financial report of the previous period before applying for the loan; 3. Correct the original unreasonable loan; 4. List of collateral and pledge, certificate of consent of the mortgagee and pledge disposition, and relevant certification documents of guarantor's consent to guarantee; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the lender. Second, banks are subject to censorship. 1 After receiving the loan application form and related materials submitted by the customer, the bank will verify the customer's situation and judge whether it has the conditions to establish a credit relationship according to the bank's loan conditions. 2. The borrower's credit rating evaluation. According to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. 3 loan survey. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority. The third is to sign a loan contract. After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed.

How soon can the bank loan be approved?

It takes about 3-7 working days to review the general loan application materials. After the bank agrees to the loan, it will take about 15 working days to handle the transfer and mortgage procedures, so the final loan may take more than one month. However, the time from loan approval to lending will be different for different banks and different periods.

Housing loan approval lending process:

1. The loan applicant shall provide the payment application form and loan materials.

You need to prepare loan materials and loan application forms before applying for a mortgage. If you don't know what loan materials need to be prepared, you can consult the bank when you go to the bank to get the loan application form. Usually, the loan materials need proof of marital status, ID card, household registration book, income certificate, bank account and proof of spouse's identity. (It is best to consult by yourself, subject to the bank's reply)

2. Account Manager Input System

After the loan applicant provides the loan application form and loan materials to the bank account manager, the bank account manager needs to make a preliminary review of your materials to see if the materials you have prepared are complete. If they are not complete, they will ask you to be ready before applying.

Then, they will determine the repayment method and loan interest rate with you, and sign a power of attorney with you. Then, they will know your credit status through your personal credit report. Usually, if the personal credit information is seriously bad, they will directly refuse your loan, while those with slight overdue records will decide whether to give you access according to the loan situation of each bank.

After the account manager has passed the preliminary examination, they need to input your information into the system, scan and upload it. It may take a long time for them to enter your information into the system, because each account manager can't have only one customer, and each account manager may have to face dozens of customers at the same time.

After your credit materials are entered into the system, they will submit your credit materials from the system to the leaders for review.

3. Review by the Credit Department

After the account manager submits your materials from the system to the leader for review, your materials will enter the credit review department. At this time, the credit department will not conduct a detailed review of your personal qualifications. But they usually pay attention to whether your personal credit record is good or not and whether the documents submitted are complete.

4. Approver's approval

There will be a group of people in the bank who specialize in approving mortgages. They will duplicate the work of the censor. If they don't find any problems during the re-inspection, then your mortgage is basically approved.

5. Bank loans

After the approval, the account manager will inform you to go to the bank for face-to-face signing and handle other mortgage procedures. Then, you can go home and wait for the loan, and then you need to start paying the mortgage every month.