The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you.

Loan process: first, the lender prepares materials, 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 hear the 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.

How long does it take to lend money after the bank approves it?

Generally speaking, if it is not a large loan such as mortgage, after the borrower provides the loan application, the time from loan approval to loan issuance will not exceed 15 working days.

Credit loans, in particular, can generally be completed on the same day. If it is a car loan or mortgage loan, the loan will generally be completed within 15-20 working days.

If it is a mortgage, the lending time is not necessarily.

After the borrower submits a mortgage application, the bank collects the borrower's personal data, writes a loan application report according to the bank's credit application template, and reports it to the branch for approval after being approved by the branch president. This time will take about 1-3 days.

After the borrower's information reaches the branch, there are still two links to go: review and approval.

The review process takes a long time, usually several days. Because auditors need to check whether the loan information is wrong one by one, such as why the bad records on the credit report are generated, and whether the income situation and salary flow are correct.

If any information is missing or inconsistent, the borrower shall submit supplementary explanations.

The approval process is generally fast, which takes about 1-2 days.

It takes about 15 working days after the approval of the branch. After that, the bank needs to apply for mortgage registration, which takes about 7 days.

Finally, the bank needs to face the borrower face to face, which takes a day. After the face-to-face signing is passed, the bank will generally lend the loan funds to the third-party account within 7 days. When lending money, banks usually send text messages or call to remind them.

If the borrower applies for a provident fund loan, it will take longer to lend because it involves the approval process of the provident fund center. Provident fund loans generally take 2-3 months from approval to lending.

Generally speaking, when approving loans, bank loan approvers will put forward some additional requirements according to the actual situation of users, and banks will only lend money after users need to implement relevant conditions.

Before applying for a loan, the borrower can check whether there are overdue records in his personal credit report and whether the bank's running water meets the loan requirements within six months.

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How to eliminate the number of personal credit inquiries?

No one can delete the credit record, and it will be automatically deleted from the credit report only when the time is up. Among them, bad credit records need to be eliminated after 5 years of bad behavior termination; Query records only show the records in the last two years, that is, each query record is pushed back two years according to the query time, that is, the time when it was eliminated.

But it doesn't mean that the borrower can't apply for a loan before the inquiry record is completely eliminated. As long as it takes about 36 months to properly maintain the credit information, if there are no new inquiry records, no bad credit records and good personal repayment ability, most lending institutions will still recognize the qualifications of borrowers.

How long will it take for the bank to approve the interview?

Under normal circumstances, after the loan is signed in person, the bank will send the signed loan approval letter to the borrower within 3-5 working days. Therefore, it usually takes 3-5 working days for the lender to know whether he has passed the bank audit. In addition, because after the face-to-face signing, there are still many procedures to be handled, such as auditing, mortgage, and taking other items, depending on whether the loan bank has a quota.

About 3-5 days

Generally, the results of bank loan business will be obtained about 3-5 days after face-to-face signing. The bank will inform customers of the specific audit results by SMS, telephone and other forms. Users can also call the customer service hotline and other ways to query the results. If the interview is passed, the loan will generally be released, but the actual lending time will fluctuate.

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What will be checked when applying for loan bank approval?

1. Credit report: When a borrower applies for a housing loan, the bank will first investigate the borrower's credit report, that is, inquire about the borrower's credit report. If there are three or six consecutive overdue repayment records in the last two years (that is, three consecutive times and six consecutive times), the loan may be refused.

2. Proof of income: Generally speaking, the bank's requirement for repayment ability is monthly income ≥ monthly mortgage payment X2. If the borrower is repaying other loans, the monthly income is required to be ≥ (monthly mortgage payment of existing loans) X2.

3. Bank flow: Bank flow is the direct evidence of income proof, and can also directly reflect the applicant's spending power and tax payment. Banks generally require applicants to provide complete bank flow for the last six months. If the bank is short of running water (mortgage generally requires running water twice as much as monthly payment), the bank may also refuse to lend.

4. Age and occupation: The age and occupation of the borrower reflect its repayment ability and stability from the side. The age required for banks to review loans is 18-65 years old, among which 25-40 years old is the most popular group, followed by 18-25 years old and 40-50 years old. People aged 50-65 are more likely to get sick, which will affect the normal repayment.

How long has the bank loan been signed? So much for the introduction of loans.