according to the data provided, the approval time of the second-hand housing loan bank is generally about half a month. The specific process includes:

1. After submitting the mortgage application, you can receive the initial reply from the bank within three working days;

2. It usually takes seven working days for the internal approval of the bank and the registration of real estate mortgage;

3. after the trading center issues other warrants, the bank will lend money within three working days.

The whole approval process involves multiple steps, and each step takes a certain number of working days, so the total time is far more than 3 days.

The key steps of the mortgage approval process:

1. Submit an application: the borrower submits a mortgage application to the bank and provides personal data and real estate information;

2. data review: the bank reviews the data submitted by the borrower to confirm its authenticity and integrity;

3. Credit inquiry: the bank inquires about the borrower's credit record and evaluates his repayment ability and credit status;

4. Evaluation and approval: the bank evaluates the property, determines the loan amount, and approves the borrower's repayment ability;

5. signing a contract: after approval, the borrower and the bank sign a mortgage contract to clarify the rights and obligations of both parties;

6. Lending: After the contract is signed, the bank will pay the loan amount to the borrower or directly to the property seller. After the whole process is completed, the borrower begins to repay the loan principal and interest on a monthly basis.

to sum up, it takes far more than three days for the mortgage to be approved.

Legal basis:

Article 7 of the Measures for the Administration of Individual Housing Loans

The borrower shall directly apply to the lender for a loan. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.