Legal analysis: effective. If a loan contract is signed, please wait patiently. Usually 1~3 months. There is no loan, which may be due to the shortage of funds in the bank or further verification of the submitted information (the bank is for security to prevent loan fraud). After the contract is signed, the bank will lend money according to the time agreed in the contract.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 680 It is forbidden to lend at high interest, and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.