Generally speaking, applying for a bank decoration loan can be divided into mortgage loan and unsecured loan. Mortgage loan is a loan that can only be applied if the borrower provides relevant collateral, such as real estate. Because mortgage loans also need to go through mortgage registration procedures and evaluate the collateral, it usually takes longer than unsecured loans, and generally takes about one month from application to lending.

The unsecured loan is relatively simple to handle, and the borrower can get the loan only by virtue of his personal qualifications without providing any collateral. If the borrower meets the loan conditions, he can usually lend money in about a week. However, the approval process of different banks is different, and the specific situation needs to be subject to the relevant bank regulations.