1. Whether the loan is approved or not depends on the bank.
Many friends may ask, don't banks like to "make a good start"? It should be easier to get loans after New Year's Day. In fact, the bank's "good start" generally refers to the performance in the first quarter, that is, the performance in the Gregorian calendar 1, February and March each year. At this time, the loan amount that the bank can allocate is more sufficient, and it is easier for everyone to apply. However, as we said before, no matter which period of loan you apply for, it depends on the specific situation of the lending bank.
2. Time required for bank loans
How long does the general bank credit loan process take? Different types of loans take different time. Generally, small loans from banks will be received on the day of application or within 1-3 working days. There are other types of loans, such as car loans and mortgage loans. The approval time may be longer. For the materials that banks need to prepare for consumer credit, many people have a small capital gap, but it is difficult to turn around. At this time, they can solve the problem by applying for bank credit consumption loans. What materials do banks need to prepare for consumer credit? How can I pay more quickly? Generally speaking, to apply for bank credit consumption loans, you need to prepare ID cards, household registration books, income certificates and other materials. Nowadays, many banks conduct business through online banking, and have certain data reserves for everyone's basic information and bank flow, so it will be easier to apply.
3. Credit consumption loans
In addition to bank loans, many people will also apply for credit consumption loans through major Internet financial platforms. I would like to remind you that you must repay on time, so as not to affect your personal credit record. Loan application: customers must clearly apply to banks and other lending institutions and fill in the application materials; Loan approval: the lending institution also needs to approve the application materials submitted by the lender; Signing a loan contract: after both parties agree, sign a loan agreement and a guarantee contract according to the actual situation; Loan allocation: the lending institution allocates the loan according to the agreed promised amount; Repayment: The borrower must pay off the loan. Repayment includes timely repayment and early repayment. The borrower can choose. The main profit source of commercial banks is credit loans, because banks are faced with many risks in loan financial activities, such as profit risk, credit risk, liquidity risk and so on. Therefore, the People's Bank of China promulgated the Law on Commercial Banks on 1995. It has made guiding and binding provisions on the loan activities of commercial banks.
The banking market has changed.
With the development of financial securitization, banks have changed from seller's market to buyer's market. Therefore, it is the main competition for commercial banks to compete for customers with strong strength, high credit and strong repayment ability. When credit marketing opens the market, investigators accept lenders' applications and evaluate their credit according to their information. At the same time, investigate the legality, safety and profitability of the loan, measure the loan risk and submit an analysis report. Examiners who examine and distribute funds shall examine and evaluate the qualifications of the lender according to the report of the investigators, re-examine the loan risks, put forward opinions, and examine and approve the loan according to the prescribed authority or report to the superior for approval. After the loan is approved, negotiate the loan quantity, term and interest rate with the lender, sign a loan contract and issue loan instructions.