According to Caiti.com, it takes about 15 to 20 working days to approve bank loans in China, and sometimes it is normal to wait for 2 to 3 months. Because mortgage involves a lot of content, and the loan amount of mortgage is relatively high and the loan period is relatively long, the bank will be stricter in order to control risks, so it will take a relatively long time.

After the mortgage is approved, the user will generally enter the lending link directly after signing the loan contract with the bank and handling the mortgage registration and other related procedures. The user only needs to wait patiently for the funds to reach the account (usually within one or two months). However, users should note that if it takes a long time because of the delay, the bank may conduct a second audit before lending, for fear that the credit status of customers will change. If no problems are found during the audit, the loan will be released smoothly afterwards. And if the audit finds that the user's latest credit has problems, I am afraid it will affect the subsequent lending. Therefore, before the mortgage loan is successfully paid, users must pay attention to maintaining good personal credit. And be careful not to apply for too many other loans at the same time, because if you borrow too much frequently, it will inevitably be affected. It is best to apply for a loan after receiving the house loan, which will naturally not affect the mortgage.