Lending will be made after the final judgment, but not immediately. Because loans are only approved by banks, there is a waiting period for getting loans, and the regulations of each bank are a little different. Under normal circumstances, the loan will be released within two weeks. The specific progress can be logged in to Bank official website, and then viewed on the personal homepage.

First, the loan review steps

There are generally several steps in loan approval, that is, preparing application materials, loan review, then other legal procedures, and finally the bank will lend money. Preparation materials are the materials that individuals need to prepare for the bank loan first, generally including loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also needed). If it is a mortgage customer, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

Second, the adoption of the final judgment

The main reasons that affect the loan speed are: incomplete customer information, the developer's failure to send the commercial housing sales record form to the bank in time, the bank's failure to complete the mortgage procedures in time, and the loan funds of the provident fund center are not in place. The loan has passed the first trial, and it is difficult to pass the final trial. The auditing standards of the first instance are different from those of the final instance. The preliminary examination is only a preliminary screening to see if the user meets the loan conditions. The final trial is to strictly examine the credit qualification of users. If the user's credit qualification conditions are average or poor, it is more difficult to pass the audit. Only users with excellent credit qualifications will have a greater chance of passing the final audit.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Once the loan is approved, if there are no problems in other aspects, it will generally not affect the loan, especially after the final review. It is only a matter of time before lending, so just wait patiently. If the loan is not approved, the bank will also give notice.