Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

Conditions for applying for mortgage loan:

China citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, under the age of 65 (inclusive) and with full capacity for civil conduct; Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; Have a good credit record and willingness to repay, and no bad credit record; Being able to provide legal, effective and reliable guarantees recognized by the bank; There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions; Open a personal settlement account in a bank; Other conditions stipulated by the bank.

Materials to be prepared for housing loan business:

1. Provident fund loan

(1) Identity certificates and marriage certificates of the lender, spouse, * * and borrower.

(2) Borrower's (husband and wife's) bank card.

(3) Purchase contract or agreement.

2. Portfolio loan

(1) Borrower's (husband and wife's) bank card.

(2) the borrower and the borrower's professional income certificate.

(3) Purchase contract or agreement.

3. Commercial loans:

(1) Proof of professional income of the borrower and * * * the same borrower.

(2) Purchase contract or agreement. Summary: It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage. Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete.

Generally speaking, when buying a house by loan, the loan speed of the second-hand house is faster than that of the new house, because there are more banks that buyers can choose when handling the second-hand house loan, and there are slightly fewer applicants corresponding to the banks. However, when buyers buy new houses, most of them apply for loans at banks designated by developers, so the timeliness is slow.

Generally speaking, the term of commercial loans for new houses is less than one month, the provident fund is generally longer, which may reach 2-3 months, and the provident fund can reach less than one month.

How long does it take for the mortgage bank to approve? There is no standard answer.

Because the requirements of each bank are different, the standards of approval are different, and even the approval speed of the same bank in different periods is different.

Under normal circumstances, it only takes about half a month for banks to approve loans.

The bank's mortgage approval is slow. The whole process takes about half a month from the submission of materials to the bank submission and then to the examination and approval. In this process, the bank will focus on verifying the authenticity of everyone's information, and check whether everyone's bank flow and credit information meet the requirements of the bank.

If everyone meets the requirements of the bank in all aspects, the bank will generally give the approval result within 15 days after everyone submits the information.

Of course, it depends on the number of bank customers. If more customers apply for mortgage loans, the approval time will be longer. On the contrary, if fewer people apply for mortgage loans, the approval time will be relatively short.

As for how long it takes for the bank to lend money after approval, it depends on the entity.

The approval of bank mortgage does not mean immediate lending, but also depends on the looseness of bank funds.

Under normal circumstances, if the bank has sufficient funds, the loan can be basically completed within 1~2 weeks after the loan is approved, and the whole mortgage application process only takes about one month.

However, if the bank is short of funds, it will take a long time to lend money. Sometimes it is normal for individual banks not to lend money for more than half a year after mortgage approval.

How long does it take for the bank to approve the loan?

According to different loan types, it usually takes about one month for banks to approve loans. Different loan types and different banks need different procedures and the complexity of approval is different, so the time required is different. Generally, the next payment of credit loans will be faster, about 10 days. And housing mortgage loans and the like are relatively slow, about 40 days.

The length of approval time for bank loans is related to many aspects, such as whether the materials submitted by the lender are complete and whether the amount of bank loans is sufficient. If you wait too long for approval, you can call the bank or loan manager.

In short, customers should wait patiently after submitting loan applications. If the audit result comes out, the bank will naturally inform the customer in time, regardless of whether the approval is passed or not. If the approval is passed, the notified customer will naturally go to the bank outlet to sign the loan contract in time, and the bank will only lend money after the relevant procedures are completed.

How long does it take to review the bank loan?

It takes about 15 working days from the submission of materials to the review of bank loans, and the review speed will vary according to the qualifications of banks and individuals, depending on the actual time when the relevant loans pass the review.

Under normal circumstances, the more complete the application materials submitted by the loan applicant, the better the personal qualification and the faster the time to pass the examination. If you haven't received the examination notice for a long time, you can call the relevant bank directly to inquire.

Relevant users need to repay on time after applying for bank loans to avoid bad records on personal credit information due to overdue.

How long does it usually take to apply for a loan?

Hello, Guiyang, I hope the answer of Honeycomb Loan is helpful to you.

Under normal circumstances, bank loans can be approved within 5-7 working days. If it is a mortgage loan, compared with credit loans, the review of mortgage loans is more complicated and involves many processes, so the natural approval time will be longer. For example, mortgage loans, banks will collect evidence on the spot, identify the property owner, and check whether the property has property rights. The bank will issue a loan agreement to the applicant within 15-20 working days, and the loan agreement will specify the amount and duration of the loan.

Loan review usually takes several days.

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 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: the age loan period for men shall not exceed 60 years, and the age loan period for women 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.