Sailing loan approval takes at least 20 days. The specific time of loan review varies from person to person, and there is no relevant document requiring the lender to complete the loan approval within a long time. When a bank applies for a loan, the department in charge of lending in the bank will conduct a detailed examination of the loan applicant, and only those who pass the examination can get a loan. The time for banks to review loan applications usually depends on whether the application materials of loan applicants pass the customs clearance.

I. Navigation loan

Qi Hang Loan, as a new loan product jointly launched by China Merchants Bank and Bank of China, is mainly aimed at young people under the age of 30, with bachelor degree or above, who are in the early stage of their career. Loans can be used for reasonable consumption expenses, such as renting a house, shopping and traveling. The loan amount is 30,000-50,000, and it can be loaned for 3-65,438+00 years. The annual interest rate of the loan is 6%-7.2%. Sailing loan supports the repayment method of equal principal and interest or average capital.

Second, approval

It usually takes at least 20 days from loan application to approval. If the institution applying for a loan is a third-party online lending platform, the time for loan approval will be shorter. Third-party online lending platforms are usually not as strong as banks, so in order to improve user satisfaction, third-party online lending platforms will speed up loan approval. The approval speed of third-party network platforms is also different, some can be completed within one day, and some can be completed in one second.

To sum up, there is no penalty for the repayment method and prepayment of Qi Hang loan. Very friendly to fresh graduates and office workers. Although the amount is small, the requirements are simple and easy to approve. Suitable for daily life or venture capital turnover. The loan amount of the third-party network platform is small, but the overdue liquidated damages and overdue interest are also high, and the way to collect arrears after overdue is relatively direct. No matter whether you are lending on the online platform or the third-party lending platform, you should evaluate your repayment ability when applying for a loan and make a loan within the scope permitted by the conditions.