It takes about 3-7 working days to review the general loan application materials. After the bank agrees to the loan, it will take about 15 working days to handle the transfer and mortgage procedures, so the final loan may take more than one month. However, the time from loan approval to lending will be different for different banks and different periods.

Housing loan approval lending process:

1. The loan applicant shall provide the payment application form and loan materials.

You need to prepare loan materials and loan application forms before applying for a mortgage. If you don't know what loan materials need to be prepared, you can consult the bank when you go to the bank to get the loan application form. Usually, the loan materials need proof of marital status, ID card, household registration book, income certificate, bank account and proof of spouse's identity. (It is best to consult by yourself, subject to the bank's reply)

2. Account Manager Input System

After the loan applicant provides the loan application form and loan materials to the bank account manager, the bank account manager needs to make a preliminary review of your materials to see if the materials you have prepared are complete. If they are not complete, they will ask you to be ready before applying.

Then, they will determine the repayment method and loan interest rate with you, and sign a power of attorney with you. Then, they will know your credit status through your personal credit report. Usually, if the personal credit information is seriously bad, they will directly refuse your loan, while those with slight overdue records will decide whether to give you access according to the loan situation of each bank.

After the account manager has passed the preliminary examination, they need to input your information into the system, scan and upload it. It may take a long time for them to enter your information into the system, because each account manager can't have only one customer, and each account manager may have to face dozens of customers at the same time.

After your credit materials are entered into the system, they will submit your credit materials from the system to the leaders for review.

3. Review by the Credit Department

After the account manager submits your materials from the system to the leader for review, your materials will enter the credit review department. At this time, the credit department will not conduct a detailed review of your personal qualifications. But they usually pay attention to whether your personal credit record is good or not and whether the documents submitted are complete.

4. Approver's approval

There will be a group of people in the bank who specialize in approving mortgages. They will duplicate the work of the censor. If they don't find any problems during the re-inspection, then your mortgage is basically approved.

5. Bank loans

After the approval, the account manager will inform you to go to the bank for face-to-face signing and handle other mortgage procedures. Then, you can go home and wait for the loan, and then you need to start paying the mortgage every month.

Can I get an ID card loan in one day?

We often see small advertisements for ID card loans on the Internet. Almost all ID card loan advertisements are in the name of lending on the same day, and even claim that 1 hour lending. So, is the ID card loan really that fast? Can I get an ID card loan in one day?

You can't get a loan just by your ID card.

First of all, I want to tell you clearly: you can't use your ID card to borrow money! ! ! Because lending institutions will not lend money easily until they determine whether the borrower has the ability to repay in full and on time, and the ID card can only prove the identity of the borrower, but can't prove anything else, so in addition to providing the ID card, the loan application must also submit marriage certificate, work certificate, income certificate and other materials.

So don't believe the online rumor that you can borrow millions of dollars just by your ID card! That's what I hear.

Lending on the day of ID card loan depends on the situation.

In fact, the "ID card loan" mentioned in the market is what we often call a credit loan. Generally speaking, as long as the loan information submitted by the borrower is complete, true and reliable, the credit record is good, and other aspects meet the requirements of the lending institution, it is possible to lend money as soon as possible, but the specific situation depends on the lending institution selected by the borrower.

There are many factors that affect the speed of issuing ID card loans. If you have complete information and good qualifications, there is a great possibility of issuing ID card loans on the same day.

How long should your ID card be valid?

More than half a year.

According to the application conditions of your loan platform, you can only apply for a loan if your ID card is valid for more than half a year.

ID card: People's Republic of China (PRC) ID card is the proof of your citizenship in People's Republic of China (PRC).

How long does it take to lend money?

Under normal circumstances, it takes 1 day to 1 month for a loan to be approved and released. Different loan types and channels will lead to different lending time.

The time for applying for online lending is relatively short, and the account will be reviewed as soon as possible on the same day, and the account will be received within one week; Moreover, through bank loans, the audit is stricter and the loan time is longer, especially the mortgage may take about one month.

However, the release time of the loan shall be subject to the actual receipt, which can be referred to above.

Extended data:

How long does it take for a large loan from the bank to arrive?

Large bank loans generally take 7- 15 working days. After the lender submits the loan application materials, most banks need 3~ 14 days, a few banks need 1 day, and some banks even need one month. The normal cycle of general commercial mortgage and consumer mortgage is 7~ 14 days from issuing approval, signing contract, mortgage loan and lending. Mortgage loans take a long time, some as long as several months. The better the personal qualification of the lender, the faster the bank will lend money.

How long does it take for commercial loans to be released?

When a customer applies for a personal commercial housing loan, the bank will generally complete the review within 15 working days after submitting the application; If approved, the customer will be immediately informed to go to the outlet to sign the loan contract, handle the mortgage and other related procedures, and the signing and registration of real estate mortgage are usually completed within one week; Then the bank will lend money, and the loan funds often arrive in a week or two.

So it takes about one or two months from the customer's application to the loan. If the speed is fast, it may be successfully approved in two or three weeks; If the speed is slow and things are delayed, the loan may not arrive for more than two months.

In a word, it is good for customers to wait patiently. When a commercial loan is granted successfully, the bank will generally send a message to inform the customer. When the real estate developer receives the remaining money, the customer only needs to repay it in installments on time according to the repayment plan agreed in the signed loan contract (if he has money at hand in the future, he can also repay it in advance and settle the mortgage in advance).

Bank loan process:

Users can apply for loans directly at the bank counter or through online channels.

To apply for a bank loan offline, I need to bring my ID card and related application materials, fill in the loan application form at the bank, and then submit the form, ID card and application materials to the bank for review.

Applying for bank loans with online loans is generally to apply for credit loans, which can be submitted as long as there is a quota.

After the offline loan is approved, the user needs to sign a loan contract at the offline branch of the bank. After the online loan is passed, the bank will sign an electronic loan contract with the user, and the user does not need to sign a loan contract offline. Although they are all bank loans, the amount of offline loans is higher than online loans.

Users who want to apply for large loans are more suitable to apply for offline loans from banks. To apply for a small loan, or to use money urgently, you can try to apply for a bank online loan. In addition to the different loan quotas, the speed of the two types of loans is also different, and the speed of online lending is faster than offline.

What is the amount and interest of ID card loan? Look here.

Now you can apply for a loan with your ID card. When lending money, people are most concerned about whether the amount is high or not and whether the interest is low or not. Below, let's introduce the amount and interest of ID card loan, hoping to help friends in need.

Before knowing the amount and interest of ID card loan, let's talk about ID card loan. When applying for an ID card loan, the ID card is only a prerequisite. At the same time, the lender also needs to provide a series of materials such as income certificate, residence certificate and work certificate. Therefore, if some loan platforms claim that they can pay as long as they get their ID cards, everyone must be alert to whether it is a trap.

Let's explain the amount and interest of ID card loan through some reliable loan platforms.

E times

E-time loan is also a platform for loans with ID cards. The maximum amount is 6,543,800 yuan, the longest term is 36 months, and the lowest and highest monthly interest rate is 654.38+ 0%-3%. However, users who apply for e-loans should have stable jobs.

Cai Hua

How much is the loan amount and interest of Cai Hua ID card? The maximum loan in Cai Hua is 200,000 yuan, and the monthly interest rate ranges from 3 years to 6 months. When applying for a loan, you must continuously deposit the provident fund for more than 6 months.

Ping' an puhui I Dai

Ping An Pratt & Whitney I can borrow with an ID card, with a maximum loan amount of 30,000 yuan, and the loan can be released in three minutes at the earliest from the daily interest rate. The more complete the information filled in by the borrower, the higher the loan amount applied for. Of course, it should be decided comprehensively according to the borrower's credit status.

Oxygen loan

The maximum loan amount of oxygen loan is 500,000 yuan, and the monthly interest rate loan period is 12 to 36 months. You can apply in always online, and you can get a loan with your ID card without mortgage. There are many people who choose these on the day of ID card loan.

How long can I borrow an ID card loan? Specific analysis of the specific situation.

If a person goes to the bank for a loan with an ID card, how many days does it take at most?

It will take about a week.

Loan processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

So much for the introduction of ID card loan.