In case of policy change, the time can be extended to 1 month.

Or the bank is short of funds. At this time, loans may need to be queued, and the time will be further extended.

If you haven't been approved for more than 3 months, it may be that your materials or qualifications don't meet the loan conditions. In case you can't handle it, the bank will also inform you.

After the approval, the bank will not lend money immediately and need to sign a contract with you; After the contract is signed, CCB will issue loans according to the contract when conditions are met.

Extended data:

Conditions for applying for mortgage loan:

1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and have no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Open a personal settlement account in a bank;

7. Other conditions stipulated by the bank.

References:

Housing mortgage loan-Baidu encyclopedia