It takes about 30 working days for ICBC's mortgage to apply, approve and lend. Generally, ICBC's mortgage approval will be completed within 15 working days. If the applicant submits complete information and fully meets the loan conditions of ICBC, the loan approval can be completed within 2 working days. After the approval, the bank will inform the applicant to go to the counter to go through other formalities. After all formalities are completed, ICBC will lend money in about 7 working days.