Offline bank loan process 1. After we apply for a loan at a bank branch, the bank will check the credit record in the People's Bank of China credit system. If there are no problems, the bank will notify us within 3 days and require submission of relevant information. 2. After receiving the notice from the bank, we need to arrange time to prepare relevant materials according to our actual situation, which will take about 7-10 days. 3. After we submit the relevant information to the bank, the loan enters the approval stage. If we are applying for a house mortgage loan, we also need to go to the Housing Authority Transaction Center to complete the mortgage registration procedures. This process takes about 10-15 working days. 4. After the Housing Authority issues other warrants, the bank will issue the loan within 3 working days, and we can use the funds. Generally speaking, it takes about a month to apply for a traditional bank loan, and we need to be patient enough to wait. Now banks also offer some small loan products, which you can apply for online. If we choose such a product for loan, it will take much less time. Take the Bank of China E-Loan. This product has a maximum limit of RMB 300,000 and a maximum term of one year. It can be recycled and borrowed and repaid at any time.
Online application process 1. Use your mobile phone to download the Bank of China "Online Financial Supermarket" APP, click "Bank of China E Loan", register and log in and bind a Bank of China debit card. 2. After activating the loan function, fill in the relevant information, sign the loan agreement online, and submit a loan application. By reading this article, you should know how long it takes to get a bank loan. Traditional bank loans take a long time, while some small loan products take a shorter time. You can choose the appropriate type according to your needs.