Loan investigation and approval means that the lending institution is verifying the loan information after receiving the application materials submitted by users, and will also investigate whether the information is true. This usually means that the loan is being approved. Under the condition that the customer's information is complete and in line with the relevant loan conditions of ICBC, the personal loan approval work is completed within 2 working days in principle, but the specific approval time depends on the actual situation of the customer. Please wait patiently for the approval result. If you have any questions about the approval process, please consult the loan handling bank in detail.

1. Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank with the buildings traded in the house as collateral to pay the house purchase price, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan. The process of buying a house by loan is as follows: consulting → applying for a loan (buyer) → reviewing (providing information) → signing a loan contract and mortgage contract (bank) → contract notarization (notary office) → relevant insurance (insurance company) → mortgage registration of house property rights (real estate registration office) → issuing a loan (obtaining a mortgage certificate) → repayment by the borrower → cancellation registration of mortgaged property (all loans are paid off).

2. Housing mortgage loan process: the developer puts forward the intention of mortgage loan cooperation to the loan bank; _ The lending bank investigates the developer's development projects, construction qualification, credit rating, person-in-charge conduct, corporate social reputation, technical strength, operating conditions and financial conditions, and signs a mortgage loan cooperation agreement with qualified developers; The purchaser and the developer sign a commercial housing sales contract and pay the required down payment according to the contract requirements; Within seven days from the date of voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply for a mortgage loan from the developer cooperative bank. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank; The lender investigates and reviews all aspects of the purchaser's situation and procedures, and goes through the preliminary procedures with the purchaser who meets the basic conditions (including the purchaser's spouse), including loan application, joint repayment statement, commitment letter, conversation record, loan contract, IOU, etc. Then the buyer opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval; The application approval period is generally within 7 days. For those who are overdue, the marketing department will dock with the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;