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 court 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: male age+loan period shall not exceed 60 years, and female age+loan period 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.