First of all, answer directly.
Two or three weeks.
Second, after the approval process, it usually takes about two or three weeks to issue the approval results. At that time, the bank will immediately inform whether it is approved or not.
After receiving the approval notice, you should go to the bank outlet to sign the loan contract and go through the mortgage registration and other related procedures within the agreed time. This link will take about three to five working days. After that, the bank will enter the lending process, and generally release the loan funds in place within one or two months.
It should be noted that if the mortgage happens to be busy with banking business, the loan amount will be delayed. If the mortgage will be approved in two or three months under normal circumstances, if something is delayed, it may not be approved for more than half a year.
In this regard, it is recommended to wait patiently. If the waiting time is too long and the real estate developer has not received the remaining house payment, you can contact the bank to inquire about the specific situation. If the bank really can't apply for a mortgage, it can only
Before applying for a loan, you can use the situation first. If the credit is not good, you can wait for a while, and then apply when the credit risk score is not high and the stain is almost gone, which will make it easier to pass.
3. Will the mortgage be approved again after it is approved?
Mortgage approval can be divided into pre-approval and formal approval. The approval of pre-approval can only explain the second approval of the bank, and then determine whether the user's mortgage application can be successful.
We will comprehensively evaluate the credit qualifications of users, and please approve the specific audit results. After the user's mortgage is approved, the user will need a mortgage contract If it fails, the bank will return the mortgage application materials of the user.
Second, how long will it take Alipay to approve the loan immediately? Will it be a weekend? ...
It is difficult to pay.
3. How long does it take to generally review the loan?
Generally speaking, if it is not a large loan such as mortgage, after the borrower provides the loan application, the time from loan approval to loan issuance will not exceed 15 working days.
Credit loans, in particular, can generally be completed on the same day. If it is a car loan or mortgage loan, the loan will generally be completed within 15-20 working days.
If it is a mortgage, the lending time is not necessarily.
After the borrower submits a mortgage application, the bank collects the borrower's personal data, writes a loan application report according to the bank's credit application template, and reports it to the branch for approval after being approved by the branch president. This time will take about 1-3 days.
After the borrower's information reaches the branch, there are still two links to go: review and approval.
The review process takes a long time, usually several days. Because auditors need to check whether the loan information is wrong one by one, such as why the bad records on the credit report are generated, and whether the income situation and salary flow are correct.
If any information is missing or inconsistent, the borrower shall submit supplementary explanations.
The approval process is generally fast, which takes about 1-2 days.
It takes about 15 working days after the approval of the branch. After that, the bank needs to apply for mortgage registration, which takes about 7 days.
Finally, the bank needs to face the borrower face to face, which takes a day. After the face-to-face signing is passed, the bank will generally lend the loan funds to the third-party account within 7 days. When lending money, banks usually send text messages or call to remind them.
If the borrower applies for a provident fund loan, it will take longer to lend because it involves the approval process of the provident fund center. Provident fund loans generally take 2-3 months from approval to lending.
Generally speaking, when approving loans, bank loan approvers will put forward some additional requirements according to the actual situation of users, and banks will only lend money after users need to implement relevant conditions.
Before applying for a loan, the borrower can check whether there are overdue records in his personal credit report and whether the bank's running water meets the loan requirements within six months.
Just received: Xiao Mu data. Click Query and enter information in the applet, and you can find your own credit data, personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.
Extended data:
How to eliminate the number of personal credit inquiries?
No one can delete the credit record, and it will be automatically deleted from the credit report only when the time is up. Among them, bad credit records need to be eliminated after 5 years of bad behavior termination; Query records only show the records of the last two years, that is, each query record is pushed back two years according to the query time, that is, the time when it was eliminated.
But it doesn't mean that the borrower can't apply for a loan before the inquiry record is completely eliminated. As long as it takes about 36 months to properly maintain the credit information, if there are no new inquiry records, no bad credit records and good personal repayment ability, most lending institutions will still recognize the qualifications of borrowers.