1-30 days. The lending time of bank loans is related to the applicant's qualifications and the loan products selected. Small personal loans arrive in real time, or 1-3 days. For loans with complicated mortgage procedures or large loans, the review time is slightly longer, which takes 1 month. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.