Yes, approving a loan does not mean lending. The approval of a loan means that a bank or financial institution, after examining the borrower's credit status and repayment ability, thinks that the borrower meets the loan conditions and agrees to provide it with a loan. However, lending means that banks or financial institutions transfer the loan amount to the borrower's account or provide it to the borrower in other ways.

After the loan is approved, banks or financial institutions need to carry out a series of operations and procedures, including signing a loan contract, handling mortgage registration, and verifying the borrower's repayment account. It may take some time to complete these procedures, so it will take some time to get the loan after the loan is approved.

In addition, in some cases, after the loan is approved, the bank or financial institution may make a final risk assessment according to the actual situation. If the evaluation results do not meet the requirements, you can decide not to grant the loan or adjust the loan amount, interest rate and other conditions.

Therefore, loan approval is only a part of loan application, and lending is the last step of the whole loan process. After the loan is approved, the borrower needs to wait patiently for the loan operation of the bank or financial institution to be completed.

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