Generally speaking, as long as the intermediary offline loans of banks have been approved, it will take one or two working days at the earliest and no more than three months at the longest. The approval time of different banks is different, and the approval time of special periods such as holidays will be different.

Prepayment procedures: Rural commercial banks generally require applicants to submit written or telephone applications 15 working days in advance. Rural commercial banks need to approve repayment applications in advance, which usually takes about one month. If the applicant wants to repay the loan in advance, he usually applies by phone or in writing, and then goes to the local rural commercial bank for approval with his ID card and loan contract. If the borrower has paid off all the balance, the rural commercial bank will deposit enough funds to repay the loan after calculating the remaining loan amount in advance.

Take ICBC as an example. When ICBC runs a mortgage, it shows that "the money is being approved" means it is being approved. The approval time of different banks is different, and the approval time of special periods such as holidays will be different. ICBC's mortgage approval time is generally 2-3 weeks, and it may take 2-3 months when it is slow. I suggest you wait patiently!

Under normal circumstances, it takes about 1 month to get the mortgage (generally speaking, the longest time will not exceed 30 days). If it is fast, it may be half a month or 20 days. At present, most banks are strict and complicated in the review process of mortgage, so it may be a bit slow. If you are really in a hurry, I suggest you go to the bank or call for advice.

If the information is complete and meets the loan conditions of ICBC, the loan approval can generally be completed within 2 working days. Please refer to the actual situation for the specific lending time. While waiting, you can also check the specific progress through your mobile phone.

Specific methods:

(1) Log in to online banking-find "online loan"-select "application result query" function;

(2) Log in to the new online banking-"Favorites-Loans"-"My Loans"-"Loan Application Result Query" function-query the loan approval progress;

(3) Mobile banking inquiry.

(Operating environment: Apple 12, ios 14, the latest version of favorite loan APP)