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.

Generally speaking, bank loans last for 7- 15 days, provided that customers have good qualifications and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to provide a driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

1. Loans to banks are generally divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

1) has something to do with the bank. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

2) Have a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

3) Let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

How soon can the bank loan be approved?

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.

Mortgage is a little more troublesome, involving much more information than car loan. The bank will review the developer's information and the lender's information, which takes a long time. Generally, within two weeks, the lender will be informed of the audit results.

The review time of credit loan is the shortest, and the bank's credit review of the lender is very fast, even on the same day. If it passes the lender, it can get the loan on the same day. However, there is no collateral for credit loans, and banks have high requirements for customer qualifications.

First, bank loans need to prepare the following materials.

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Second, the credit conditions of bank loans

Bank loans generally need to be secured, mortgaged, or income proof and good personal credit information before they can apply.

1. credit line: the credit line is the maximum amount that the borrower is allowed to borrow as stipulated in the agreement signed between the borrower and the bank.

2. Revolving credit agreement: Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.

3. Compensatory balance: Compensatory balance refers to the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).

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

It usually takes about one month for banks to approve loans, and the approval time will be different according to the different loan time.

The time for banks to approve loans is also related to other factors, such as whether the loan application materials submitted by borrowers are complete, whether the bank's loan quota is sufficient, and whether the loan policy has changed, which all affect the time for bank loan approval.

If the borrower waits too long for the loan approval, he can call the bank or the manager who handles the loan. You can also go directly to the bank counter for consultation.