Borrowers can check the progress of loan review through ICBC online banking or ICBC mobile banking. If the credit manager of ICBC doesn't inform himself that the loan review has failed, it proves that the loan is in the review stage. After the loan review fails, the credit manager of ICBC will inform the borrower as soon as possible.
The inquiry method of ICBC loan approval progress is as follows:
1. Log in to ICBC online banking, click Favorites, select a loan, then click My Loan, and then click the loan application result query, and follow the instructions on the page.
2. Log in to ICBC Mobile Banking, click Favorites, select a loan, then click "My Loan", then click to query the loan application result, and follow the prompts on the page.
After the borrower submits the loan application materials to the ICBC credit manager, the ICBC credit manager issues the preliminary examination opinions. If the credit manager of ICBC passes the borrower's loan application, the risk management review will continue; If the credit manager of ICBC fails to pass the borrower's loan application, he will inform the borrower of the reasons for the failure.
When conducting risk management review, the credit manager of ICBC submits the results of risk management review, preliminary examination opinions and loan application materials to the general manager of ICBC. Borrowers need to wait patiently.
ICBC sent a text message saying that your car loan application was successful. Thank you for using the industrial and commercial credit card. Does that mean the money has been approved?
Just wait for the bank to lend money
Waiting for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration formalities. If so, there is no need to sign such a contract.
The bank issues loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.
Extended data:
ICBC car loan review process:
I. The borrower shall submit the following information to the bank:
(1) loan application approval form;
(2) my valid identity certificate and a copy;
(3) The original and photocopy of the spouse's valid identity document, and written proof of consent to mortgage;
(4) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months);
(5) Proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. );
(6) Effective contact information and telephone number;
(7) Provide proof of down payment of not less than the specified proportion;
(8) loan guarantee certificate;
Loan guarantee can be pledge of rights, mortgage guarantee or third-party guarantee.
Where pledge guarantee is adopted, the scope of pledge includes savings deposit certificates (discounted) issued by Industrial and Commercial Bank of China, voucher-type treasury bonds, registered financial bonds, and savings deposit certificates (discounted) issued by local commercial banks that have signed pledge stop payment guarantee agreements between banks.
If real estate is used as mortgage, the mortgaged real estate shall be a house with no other pledged free property rights under the name of the borrower himself or his immediate family members, and full property insurance shall be handled.
If the third-party guarantee method is adopted, the written document of the guarantor's consent to the guarantee, the original and photocopy of the guarantor's identity certificate and relevant credit certification materials shall be provided.
(9) Personal settlement account voucher opened in China Industrial and Commercial Bank;
(10) Other information specified by the bank.
Two. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures.
3. The car loan is directly transferred to the car dealer's account by the bank.