If the loan conditions are met, the bank will inform everyone to sign a loan contract and then enter the loan process. During this period, it usually takes about a week to transfer the arrears to the account of the designated developer, so the whole loan process often takes about 15 days from submitting the application.

If you want to improve the loan pass rate, you may wish to apply in a cooperative bank, such as a bank that pays wages. Because in these banks, everyone belongs to high-quality customers, the audit will be relatively relaxed, and banks will give priority to everyone's loans, and the overall process may be accelerated a lot.