Normal bank loan process, for your reference:

1. First, the account manager understands the customer's basic situation, such as: collateral situation, personal income, credit status, etc. . 2. Collect required customer materials for different loan types, and sign loan contracts and related loan materials with lenders and their spouses. 3. Arrange professional evaluators to analyze the actual situation of the mortgage and issue a mortgage evaluation report. 4. After collecting all the materials, the account manager will determine the amount of the loan based on the value of the collateral in the evaluation report and prepare a loan investigation report (that is, conduct an investigation on the actual purpose of the loan, the authenticity of the materials, the actual condition of the collateral, and the qualifications of the lender) analyze). 5. After the report is completed, it will be reviewed and approved by the person in charge of the handling account manager unit (i.e. branch president or retail department manager). 6. After approval, submit it to the bank's risk control department for approval (that is, the bank's final and most critical review of the loan, the risk control department will further investigate and understand the various data of the loan and analyze it) 7. Risk control department After approval, it will be transferred to the bank's mortgage post (that is, to guide the customer on how to handle the mortgage procedures and make final preparations for the mortgage). 8. The mortgage post will arrange for the borrower and his wife to go to the Housing Authority to sign and handle the mortgage registration. 9. The bank will issue the loan after receiving the mortgage registration receipt from the Housing Authority (usually 7 working days). If you are in urgent need of money, it is recommended to use Baihuitong to fill in your personal information and submit an application. After the platform receives your needs, it will provide you with a solution within 2 working days, serving you efficiently throughout the process, truly saving money for lenders. Major banks use their time and energy to reduce costs other than loans!