According to different loan types, it usually takes about one month for banks to approve loans. Different loan types and different banks need different procedures and the complexity of approval is different, so the time required is different. Generally, the next payment of credit loans will be faster, about 10 days. And housing mortgage loans and the like are relatively slow, about 40 days.

The length of approval time for bank loans is related to many aspects, such as whether the materials submitted by the lender are complete and whether the amount of bank loans is sufficient. If you wait too long for approval, you can call the bank or loan manager.

In short, customers should wait patiently after submitting loan applications. If the audit result comes out, the bank will naturally inform the customer in time, regardless of whether the approval is passed or not. If the approval is passed, the notified customer will naturally go to the bank outlet to sign the loan contract in time, and the bank will only lend money after the relevant procedures are completed.

How long does it take for the bank to approve the loan?

It usually takes about one month for banks to approve loans, and the approval time will be different according to the different loan time.

The time for banks to approve loans is also related to other factors, such as whether the loan application materials submitted by borrowers are complete, whether the bank's loan quota is sufficient, and whether the loan policy has changed, which all affect the time for bank loan approval.

If the borrower waits too long for the loan approval, he can call the bank or the manager who handles the loan. You can also go directly to the bank counter for consultation.

How soon can the bank loan be approved?

Generally speaking, the time for banks to approve loans will not exceed one month. For each loan product, due to the different materials that the lender needs to prepare and the different number of applicants, the time for loan approval will be different, which depends on the approval efficiency of the bank.

For example, car loans, because the amount involved in car loans is generally small, and there is a vehicle mortgage, the bank's review time will not be too long. Generally, the audit results and even the next payment will be issued within one week, which is more convenient.

Mortgage is a little more troublesome, involving much more information than car loan. The bank will review the developer's information and the lender's information, which takes a long time. Generally, within two weeks, the lender will be informed of the audit results.

The review time of credit loan is the shortest, and the bank's credit review of the lender is very fast, even on the same day. If it passes the lender, it can get the loan on the same day. However, there is no collateral for credit loans, and banks have high requirements for customer qualifications.

First, bank loans need to prepare the following materials.

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Second, the credit conditions of bank loans

Bank loans generally need to be secured, mortgaged, or income proof and good personal credit information before they can apply.

1. credit line: the credit line is the maximum amount that the borrower is allowed to borrow as stipulated in the agreement signed between the borrower and the bank.

2. Revolving credit agreement: Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.

3. Compensatory balance: Compensatory balance refers to the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).

How long does it usually take for a bank loan to be approved?

Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster. Conditions for applying for mortgage: China citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, under the age of 65 (inclusive), with full capacity for civil conduct; Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; Have a good credit record and willingness to repay, and no bad credit record; Being able to provide legal, effective and reliable guarantees recognized by the bank; There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions; Open a personal settlement account in a bank; Other conditions stipulated by the bank. Materials to be prepared for the loan business of house buyers: 1. Provident fund loan: (1) the identity certificate of the lender, spouse and borrower and the marriage certificate; (2) Borrower's (husband and wife's) bank card; (3) Purchase contract or agreement. 2。 Portfolio loan: (1) borrower (husband and wife) bank card; (2) the borrower and the borrower's professional income certificate; (3) Purchase contract or agreement. 3。 Commercial loan: (1) The borrower's professional income certificate is the same as that of * * *; (2) Purchase contract or agreement. Summary: It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage. Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete. Generally speaking, when buying a house by loan, the loan speed of the second-hand house is faster than that of the new house, because there are more banks that buyers can choose when handling the second-hand house loan, and there are slightly fewer applicants corresponding to the banks. However, when buyers buy new houses, most of them apply for loans at banks designated by developers, so the timeliness is slow. Generally speaking, the term of commercial loans for new houses is less than one month, the provident fund is generally longer, which may reach 2-3 months, and the provident fund can reach less than one month.

How long does it take for the mortgage bank to approve? There is no standard answer.

Because the requirements of each bank are different, the standards of approval are different, and even the approval speed of the same bank in different periods is different.

Under normal circumstances, it only takes about half a month for banks to approve loans.

The bank's mortgage approval is slow. The whole process takes about half a month from the submission of materials to the bank submission and then to the examination and approval. In this process, the bank will focus on verifying the authenticity of everyone's information, and check whether everyone's bank flow and credit information meet the requirements of the bank.

If everyone meets the requirements of the bank in all aspects, the bank will generally give the approval result within 15 days after everyone submits the information.

Of course, it depends on the number of bank customers. If more customers apply for mortgage loans, the approval time will be longer. On the contrary, if fewer people apply for mortgage loans, the approval time will be relatively short.

As for how long it takes for the bank to lend money after approval, it depends on the entity.

The approval of bank mortgage does not mean immediate lending, but also depends on the looseness of bank funds.

Under normal circumstances, if the bank has sufficient funds, the loan can be basically completed within 1~2 weeks after the loan is approved, and the whole mortgage application process only takes about one month.

However, if the bank is short of funds, it will take a long time to lend money. Sometimes it is normal for individual banks not to lend money for more than half a year after mortgage approval.

For example, from the second half of 20 18 to the first half of 20 19, at that time, because of strict supervision and tight bank mortgage quota, many bank mortgages were slow at that time.

After most bank loans were approved, they had to wait in line for loans. At that time, most banks had to wait more than two months to lend money, and some banks even had to wait more than six months to lend money.

How can we speed up the lending of mortgage?

When bank funds are tight, the speed of mortgage lending is relatively slow. At this time, many people are anxious. For example, some people can live in a house normally when the mortgage is approved, and treat the house as a wedding room.

Bank lending is slow. What can be done to improve the speed of mortgage lending?

In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

First, it has something to do with banks. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

Second, there is a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

Third, let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

It is common for some banks to lend for three or four months. Bank loan procedures: 1. Loan application. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1 Basic information of the borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting and auditing firm, and the financial report of the previous period before applying for the loan; 3. Correct the original unreasonable loan; 4. List of collateral and pledge, certificate of consent of the mortgagee and pledge disposition, and relevant certification documents of guarantor's consent to guarantee; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the lender. Second, banks are subject to censorship. 1 After receiving the loan application form and related materials submitted by the customer, the bank will verify the customer's situation and judge whether it has the conditions to establish a credit relationship according to the bank's loan conditions. 2. The borrower's credit rating evaluation. According to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. 3 loan survey. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority. The third is to sign a loan contract. After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed.