If the user applies for a credit loan, the loan funds will usually come out in a few working days. If the user applies for a mortgage, and the user passes the review, the loan will usually be issued in about a month. Due to different loan review times, different number of applicants, and different review standards, the lending time is also different. If users are in urgent need of money, they can try to apply for a credit loan.

As for users who have applied for an ICBC loan and have not received the loan funds for a period of time after passing the review, they can proactively contact ICBC and urge ICBC to release the loan as soon as possible.

As long as the submitted information is complete and meets the loan conditions of ICBC, loan approval can generally be completed within 2 working days. If the submitted information is incomplete or the applicant's personal credit is not good, it will lengthen the approval time and affect the speed of loan approval. Therefore, the specific loan time and results shall be subject to the actual situation.

The simple and popular understanding of a loan is to borrow money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The purpose of commercial banks in formulating loan policies is, first of all, to ensure the coordination of their business operations. A loan policy is the general principle that guides every loan decision. An ideal loan policy can support banks to make correct loan decisions and contribute to bank operations; secondly, it is to ensure the quality of bank loans. Correct credit policies enable banks to maintain ideal levels of credit management, avoid excessive risks, and enable appropriate selection of business opportunities.

The loan method is the way in which banks grant loans to enterprises. According to different methods of loan guarantee, it can be divided into credit loans, guaranteed loans and bill discounting. Credit loans refer to loans issued solely based on the creditworthiness of the lender; secured loans refer to guaranteed loans, mortgage loans and pledge loans; bill discount refers to loans issued by the lender in the form of purchasing the borrower's unexpired commercial paper, which can be regarded as a A special form of mortgage loan. At present, the supply methods of credit funds in China can be divided into three types, namely direct lending, indirect lending and buyer-seller loans.