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.

Generally speaking, bank loans last for 7- 15 days, provided that customers have good qualifications and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to provide a driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

1. Loans to banks are generally divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. 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.

1) has something to do with the bank. 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.

2) Have 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.

3) 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.

How long does it take to approve the loan?

About a month or two.

When banks handle mortgage loans or mortgage loans, the cycle is generally one month. If there are many bank lenders, the application time may be delayed to one and a half months or even two months. This year, the state is regulating the real estate market, and the exact time is hard to say. No acquaintances, all by luck.

General bank loans will be completed within one week after the loan is approved. If it is a mortgage, it depends on whether the current bank lending funds are tight. If funds are tight, it may take 1 month or even longer to lend money. With sufficient funds, the loan can be completed in a week or two.

In addition, the lending time of different loan products is not necessarily, such as credit loan business, which can be completed on the same day at the earliest.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

How long does it take to finance the loan immediately? Amazing speed!

Now, when choosing a loan platform, people who have some experience in online lending will consult the review and lending of the loan platform in advance. Because finance has always been hot, people often ask how long it will take to review and lend. Here, let's first introduce the audit and lending situation of Instant Finance.

Audit speed

According to the official information of Instant Finance, the system automatic audit method adopted by Instant Finance can give you the approval result within 6- 10 seconds at the earliest. The financial department will inform you by SMS immediately.

Loan speed

After obtaining the credit line after examination, you can submit an application for cash withdrawal. Under normal circumstances, after you submit an application for withdrawal, the finance department will immediately release the money within 5 minutes.

Judging from the audit speed and lending speed of Instant Finance, the overall lending speed of Instant Finance is very fast, and it takes only a few minutes from submitting the preliminary application to receiving the funds.

In order to ensure the smooth loan process, here are two points for attention.

1. We may call you back before the formal financial loan is released immediately. Please pay attention to this.

2. In the submitted personal data, it must be true and effective, and the content must be consistent.

Above, I have introduced in detail the situation of immediate financial review of loans, and I believe everyone understands how long it will take to immediately review loans. In short, the financial review and lending speed is very fast.

How long can a bank loan be released?

Generally speaking, different banks have different regulations and different approval processes, so the speed of lending will be different. The specific situation requires lenders to implement according to relevant bank regulations. Under normal circumstances, it usually takes a borrower half a month to apply for a loan when the relevant loan conditions are met and the procedures are complete. However, because it is more troublesome to handle loans, such as mortgages, and the property needs to be mortgaged to the bank, it is normal to handle it in one month. Mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and the purchased real estate enterprises provide regular guarantees. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.

That's enough for the introduction of how long to borrow it immediately.