If the application materials submitted by you are complete, it will take about 15 working days for our bank to approve the loan, because each customer's situation will be different because it involves evaluation, mortgage registration and other links; Please contact the handling branch or loan account manager directly to confirm the specific lending time, review status, processing progress, loan cancellation and other matters.
Second, how many days can the bank loan come down?
About a week. Under normal circumstances, bank loans will generally be completed in a week or so. Of course, if a user applies for a bank loan, it is possible to pass the audit on the same day and complete the loan on the same day. In fact, bank loans rarely fail. As long as the loan contract is signed with the user, the bank will lend money as agreed. The bank loan application threshold is high, and the review is strict, and the credit qualification conditions are average or poor, which may not pass the loan review. Precautions for bank loans: 1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan. 2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months. Don't forget to find the bank around you if you have difficulty repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. If it is verified by the bank that you have not defaulted on the loan principal and interest, ICBC will accept your application for extension. 4. Don't forget to inform the renting obligation after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where the real estate is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged real estate. 6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.
Third, bank loans can be reviewed in a few days.
Is there a mortgage or guarantee?