These days, if you want money, as long as you have good credit, there are plenty of ways. Applying for bank loans and online loans can solve the temporary needs. Generally speaking, the bank's loan interest rate is lower and safer. However, it is also well known that the bank loan review is slow. Many friends don't know how long it will take the bank to review the loan. If the bank has been refusing to lend money, what are the reasons? Let's take a look.
How long does it take to review the bank loan? Lending banks: The duration of bank loan review varies from bank to bank. Due to the different business and processes of each bank, the audit time is different. Loan type: The loan review time is also related to the loan type. If it is a credit loan, it can be paid on the same day at the earliest. If it is a mortgage loan, it may take ten days or even a month or two. Lending institution: If you just apply for a loan directly from the bank, the speed is relatively slow, and it usually takes more than one week. If you apply for a loan from a lending institution, it will be faster. What is the reason for the bank loan being withheld? 1. Because the bank's audit time is long, sometimes it takes more than one month. If there is something wrong with your credit during this period, or your debt is too high, it may lead to loan failure. 2. The bank's loan review process is very complicated and rigorous, which needs to be reviewed by various departments. If the intermediate link fails, the next payment cannot be made. 3. Changes in the internal policies of the bank have led to changes in the approval authority of this loan, and it is temporarily impossible to complete the loan. Here I would like to introduce the time of bank loan review and the reasons for not lending. Generally, after you apply for a loan, you can directly check the progress of the application, and you will be informed of any abnormal situation. If it really doesn't work, you can ask the customer service why.
Second, the bank said it approved the loan but there was no approval?
In other words, your loan application has been approved, but you haven't received the formal loan approval letter, and you won't be granted the loan amount until you get the loan approval letter.
Excuse me, what is the reason why my bank loan was not approved?
The main situation is as follows:
1, personal credit is bad, guarantee is not paid off, credit card is overdue, and personal bank loan is not paid off.
2. Personal loan information does not meet the requirements of the bank, and the income certificate is not up to standard.
3. The individual has no intention or intention to postpone the mortgage formalities.
4. Individuals provide false mortgage information, etc.
Excuse me, what is the reason why my bank loan was not approved?
Is there a problem with the bank's running water or with credit reporting?