How long does it take for a bank loan to be disbursed?

1. Positive answer

Under normal circumstances, the bank’s lending time is not fixed. Depending on the type of loan a borrower applies for, the approval process will be different, and the loan disbursement time will also be different.

2. Specific analysis

1. Consumer loan

If the borrower applies for a consumer loan based on personal credit, generally speaking, from From loan approval to disbursement, it can be completed within 7 working days.

If it is online under a bank, you can basically submit the loan approval on the same day and the loan can be completed on the same day. If the loan amount applied for is higher, the bank needs to inquire more information, and the loan can usually be completed within three days.

2. Mortgage loans

Mortgage loans generally require the borrower to provide collateral. When approving the loan, the bank needs to send the collateral to an appraisal company to evaluate the value, which costs money. About 5 days.

Therefore, mortgage loans take more time than consumer loans. Generally, it takes about 7-15 days from the time the borrower submits the loan application to the approval of the loan.

If the borrower submits mainly shops or office buildings as collateral, the evaluation time will be longer. Because the assessed value of this type of collateral needs to be determined based on many factors such as location and time.

3. Mortgage loan

If the borrower applies for a mortgage, the approval time will take more time.

From the official websites of major banks, it usually takes 7-15 working days from submitting the loan application to receiving the approval result when applying for a mortgage at the bank. After that, an interview is required, and the loan can only be issued after the interview is completed. It usually takes 1-3 months from completion of mortgage loan approval to disbursement.

Generally, when people use the central bank’s credit records, they will leave traces of inquiries, which is disadvantageous for borrowers. Moreover, most online loans are not listed on the credit report, so the credit report cannot be checked. to specific online loan information, but now you can also learn about your personal data through the "Xiaoqixincha" data. Without leaving any trace, you can also learn more about online loan overdue information, application records, dishonesty information, and online loan blacklists. and other information.

3. Extended information

How many people does the bank lend money to in a day?

How many people a bank lends to in a day mainly depends on how much loan quota is available on that day.

The bank will not lend money to several people on that day based on the number of people, but based on the loan amount one by one.

The bank will split the loan amount that can be disbursed on that day. Initially, it will issue loans one by one according to the time when the mortgage is approved. When the final amount is insufficient, it will give priority to those with smaller loan amounts. Put them first, and those with larger loan amounts generally need to wait.

For example, the bank has 1 million yuan of mortgage loan left to disburse that month. A applied for 800,000 yuan, while B applied for 1.2 million yuan. Generally, the bank will choose to issue a mortgage to A first, and move it to B first in the next month.

How long does it take for the bank to release the loan after approval

Generally speaking, if it is not a large loan such as a home loan, after the borrower provides a loan application, the time from loan approval to disbursement will not exceed 15 working days.

Especially for credit loans, the disbursement can usually be completed on the same day. If it is a car loan, mortgage loan, etc., the loan will usually be completed within 15-20 working days.

If it is a mortgage, the loan time is not certain.

After the borrower submits a mortgage application, the bank will collect the borrower's personal information and write a loan application report according to the bank's credit application template, and submit it to the branch for approval after approval by the branch president. This time takes approximately 1-3 days.

After the borrower’s information reaches the branch, there are still two steps to go through: review and approval.

The review process will take a long time, usually several days. This is because the reviewers need to check whether there are errors in the loan information one by one, such as the reasons for the bad records on the credit report, whether the income and salary flow are correct, etc.

If any information is missing or the content is inconsistent, the borrower is required to submit additional explanations.

The approval process is generally fast, taking about 1-2 days.

After the branch review and approval, it will take approximately 15 working days. After that, the bank still needs to handle the mortgage registration, which takes about 7 days.

Finally, the bank needs to conduct an interview with the borrower, which takes one day. After the interview is approved, the bank will generally release the loan funds to the third-party account within 7 days. When disbursing a loan, the bank will usually send a text message or make a phone call to remind you.

If the borrower applies for a Provident Fund loan, the loan disbursement will take longer because it involves the approval process of the Provident Fund Center. Provident fund loans generally take 2-3 months from approval to disbursement.

In general, bank loan approving personnel will put forward some additional requirements for implementation based on the actual situation of the user when approving the loan. The user needs to implement the relevant conditions before the bank will grant the loan. .

Before applying for a loan, borrowers can first check whether there is any overdue record on their personal credit report, whether the bank's turnover within six months meets the loan requirements, etc.

Only required: Xiaomu data. Click Query and enter information in the mini program to query your own credit data, query your personal credit status, Internet black index score, blacklist status, online loan application record, application platform type, whether it is overdue, and the overdue amount , important data information such as credit card and online loan credit limit estimates, etc.

Extended information:

How to eliminate the number of personal credit inquiries?

No one can delete the credit record. It will be automatically deleted from the credit report only when the time is up. Among them, bad credit records need to be eliminated 5 years after the bad behavior is terminated; the query record only displays the records of the past 2 years, that is, each query record is pushed back 2 years according to the query time to be the time of elimination.

But this does not mean that the borrower must wait for the inquiry records to be completely eliminated before the borrower can apply for a loan. It only takes about 36 months to maintain the credit record. If there are no new inquiry records during this period, the borrower will be able to apply for a loan. If there is no bad credit record and the individual's repayment ability is good, most lending institutions will still recognize the borrower's qualifications.

How long does it usually take for a bank loan to be released?

How long does it take for a bank loan to be released? Different banks and different loan products have different loan times, and there is no fixed time standard. Generally speaking, after a bank loan application is approved, it usually takes 15 working days to 2 months to disburse the loan. The actual disbursement time depends on the actual loan product and whether the bank's loan limit at the time is sufficient. The specific loan time shall prevail. If the bank's loan quota is insufficient, the bank will need to allocate the loan quota through the superior bank, which will take longer. The above is the relevant information about how long it takes for bank loans to be issued.

Users can follow the following steps to query:

1. Log in to the bank's personal homepage and click "Loan Progress Query" under the "My Loan" option;

2. Select the query type "Customer", enter the ID number and name, and click Query;

3. The page displays customer application information, and the current customer loan application progress under the "Current Progress" column;

< p>4. Click on the query bar to see the loan progress display bar for the loan.

How long does it take for a general bank mortgage loan to be disbursed?

1. It takes about 22-25 working days. The specific disbursement time is subject to the local bank. Generally, it takes 4-5 days to prepare the documents and submit them for approval. After approval, it takes another 2-5 days to apply for the mortgage and obtain other rights certificates (the time of each local housing authority is different, whichever is local). Once the other rights are obtained, they will be sent to the accountant. , the loan will be released after 2-3 days (there are many borrowers and everyone has to queue up, so the time is variable).

2. Bank mortgage loan

(1) The correct name of bank mortgage is home purchase mortgage loan. The home buyer uses the property rights of the purchased house as a mortgage, and the bank pays the house payment in advance. To the developer, the home buyer will pay the principal and interest to the bank in monthly installments. The bank mortgage ratio usually ranges from 50% to 80%, and the term ranges from 1 to 30 years. Bank mortgage is the most effective means to promote active real estate market.

(2) Concept:

A. It is divided into first-hand house mortgage and second-hand house mortgage.

First-hand property mortgage loan means that when the applicant (house buyer) purchases a property from a real estate developer, he or she pays the down payment first, and the rest is borrowed from the bank, and uses the equity of the purchased property as collateral to repay the principal and interest in installments.

B. Second-hand property mortgage loan means that the borrower (house buyer) pays the down payment first when purchasing a house from the seller that has full legal property rights (real estate certificate has been obtained) and can be put on the market. , the remaining part is borrowed from the bank, and the purchased property equity is used as mortgage, and the principal and interest are repaid in installments.

How long does it take for a bank loan to be disbursed?

Generally speaking, different banks have different regulations and their approval processes are also different, so the disbursement speed will also be different. The specific situation depends on the borrower. Subject to relevant bank regulations. Under normal circumstances, after the borrower meets the relevant loan conditions and the procedures are complete, it usually takes half a month to process. However, because the procedures for applying for a loan, such as a home loan, are cumbersome and the property needs to be mortgaged to the bank, for this reason, it takes one month. It is normal for it to be handled in order to be able to handle it. Mortgage loan is a personal housing loan business in which the home buyer uses the home purchased as collateral and the real estate company of the home purchased provides a periodic guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house for mortgage, and the beneficiary serves as the guarantor for the loan repayment. After the mortgagor repays the loan, the beneficiary immediately transfers the property rights of the house involved to the mortgagor, and the mortgagor enjoys the right to use it during the process.