Legal analysis: Generally speaking, the contract is filed by the developer in the online housing authority. In one case, your loan information is under review. If there is no problem, the bank will inform the developer to put on record, so that you can find it after the developer puts on record, and you can lend money within 1 at the earliest. If you haven't got a loan, you don't have to worry. It will take a while.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.