Generally speaking, after the face-to-face interview, the bank will hand over the signed loan approval letter to the borrower within 3-5 days, that is, about 5 days, so that the user can know whether the individual has passed the bank audit. If the user does not receive the loan approval within 5 days, the user can directly call the bank to inquire about the specific situation. The above is how long it will take to know whether the bank approves the relevant content after the face-to-face signing.

How long does it take for the bank to approve the loan?

Generally speaking, the time for a bank to review a loan will not exceed one month. For each loan product, the lender needs to prepare different materials and the total number of applications is different, so the time for reviewing a loan will be different, which actually depends on the efficiency of the bank's review. For example, car loans, because the amount involved in car loans is generally small, and there is a car mortgage, the bank's review time will not be too long. Generally, the audit results and even loans will be issued within one week, which is more convenient. Mortgage will be a little more troublesome, involving much more information than car loan. Both the developer's information and the lender's information base need to be examined and approved, which takes a long time, usually within two weeks, and the lender will be informed of the examination and approval results. The approval time of credit loan is the fastest, and the bank's credit approval to the lender is very fast, and even the approval result can be obtained on the same day. If the lender passes, you can get the loan on the same day. However, there is no collateral for credit loans, and banks have high requirements for customer qualifications.

What information do you need for a bank interview?

1. Face-to-face materials for bank loans: valid personal identification documents need to be prepared. If a husband and wife borrow money, they need to prepare their identity documents, household registration books and marriage certificate materials to prove their identity; You need to prepare a detailed bank statement of your bank account in the last six months; Income certificates issued by relevant units; Personal credit report. Similarly, other information If both husband and wife apply for a mortgage, both parties need to prepare information;

2. Credit card interview information: Credit card interview information is relatively simple. Users only need to bring their personal ID cards and credit cards to the bank outlets to sign in person. Users can also activate the program. In order to prevent others from applying for credit cards with their ID cards, it is generally only necessary to apply for bank credit card products for the first time.

This article is mainly about how long it will take to know whether the bank has passed the relevant knowledge points after the interview. The content is for reference only.