After the bank loan is settled, it usually takes about 5- 10 days for the user to go to the bank to open the settlement certificate. However, some online loan products support users to apply for their own settlement certificates. The system will send users an electronic version or download the electronic version of the settlement certificate, which can generally be issued on the same day. There are still about 3 days to give an answer, so it will take about 7- 15 days to open it.

After paying off the loan, the borrower needs to go to the bank to get the loan settlement certificate. When handling the loan settlement certificate, it takes different time for different banks to issue the settlement certificate, which is generally about one week. Although the borrower needs to wait for a period of time when receiving the loan settlement certificate. However, borrowers should never trust those "intermediaries" who claim to help people get the loan settlement certificate immediately. They are often just liars. If the borrower really can't wait for this period of time, he can find his own account manager and urge the bank to handle it quickly.

The bank loan settlement certificate generally has two purposes: one is to prove that the loan has been paid off and reduce the personal debt ratio; First, it is used to cancel the loan mortgage.