If the application materials submitted by you are complete, it will take about 15 working days for our bank to approve the loan, because each customer's situation will be different because it involves evaluation, mortgage registration and other links; Please contact the handling branch or loan account manager directly to confirm the specific lending time, review status, processing progress and loan cancellation.
Second, how many days can the bank loan come down?
About a week. Under normal circumstances, bank loans are usually completed in a week or so. Of course, if a user applies for a bank online loan, it is possible to pass the examination and complete the loan on the same day. In fact, bank loans rarely fail. As long as a loan contract is signed with the user, the bank will lend money according to the agreement. The bank loan application threshold is high, and the review is strict, and the credit qualification conditions are average or poor, which may not pass the loan review. Precautions for bank loans: 1. Do not use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan pays the house price, the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan. 2. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months. If you have difficulty in repaying the loan, don't forget to look for the banks around you. Don't insist on it yourself when your solvency drops during the loan period and you have difficulty in repaying the loan. ICBC customers can apply to ICBC for extending the loan term. After investigation and verification by our bank, you have not defaulted on the loan principal and interest, and our bank will accept your application for extension. 4. Don't forget to inform the obligation of renting the house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgage fact in writing. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the principal and interest of the loan, you can cancel the mortgage with the bank's loan settlement certificate and other immovable property certificates of the collateral to the district and county real estate trading center where the property is located. 6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract and loan note signed by the bank with you are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.
Third, bank loans can be reviewed within a few days.
Is there a mortgage or guarantee?