ICBC can only sign the contract after the car loan. After approval, ICBC will notify to sign the loan contract. The car loan passed the preliminary examination, but the loan institution conducted the preliminary examination of the user's loan qualification, which does not mean that the user applied for the car loan successfully. After the first trial is passed, the lending institution will conduct a detailed review of the loan materials submitted by users, during which there will be telephone review and face-to-face review. Only when all the loans are approved and the car loan contract is signed successfully can the loan be considered successful.