1. Personal credit evaluation and review: banks need to evaluate the credit status and repayment ability of loan applicants. This includes reviewing personal credit reports, income certificates and asset certificates. Generally speaking, this step may take several days.
2. Housing evaluation and review: Banks need to evaluate and review the purchased property to ensure that its value matches the loan amount. This may take some time to complete, usually between 1 and 2 weeks.
3. Approval and approval procedures: The approval procedures within the bank will also have an impact on the whole process. Different banks have different processes, and some may take a long time to approve.
4. Delivery and signing: Once the loan is approved, the bank will arrange the signing and delivery procedures with the borrower. The specific time depends on the arrangement of banks and the time schedule of borrowers.
It should be noted that this is only an approximate time range, and the actual time may be different. If there are special circumstances or urgent needs, it is recommended to communicate with the bank in advance to better arrange the time.
In addition, regarding the issue of online loans, the overdue records of online loans may not have a direct impact on personal credit status, but the overdue records will remain in the online loan big data. If you are worried about your online loan record, you can check the data of Lan Bing to find out your overdue details, debt situation, untrustworthy information and whether it is on the online loan blacklist.