It usually takes about a month to apply for a loan in a bank. In fact, different loans require different time, which will be affected by the adequacy of bank loan quotas. Therefore, users can wait patiently after submitting loans.

If you haven't received the loan notice from the bank for a long time, users can call the bank or consult the manager who handles the loan business, so that they can get an accurate answer. In most cases, the bank will reply to the review, and if the materials are not suitable, the bank will ask the applicant to supplement the materials.

The types of loans handled by banks include credit loans, mortgage loans and risk loans. It is best to consult different banks when lending, so that you can know which bank has more relaxed loan conditions. Which bank loans will have preferential interest rates, so that you can get loans faster when you borrow.

If the borrower wants to apply for a loan in the bank, he must submit the bank flow in the last six months and the work certificate, and the borrower's credit reference must be good. If the mortgage loan requires financial proof, the bank will not lend until it meets the conditions of the bank.

2022 Student Loan Application Time

1. Renew loans (students who obtained loans in previous years and continue to apply):

The application period is from July 23rd to August 10 (except weekends).

2. New loans (freshmen and students applying for loans for the first time):

The application period is from August 12 to September 2 (except weekends).

Second, the application conditions:

Freshmen admitted to ordinary full-time colleges or undergraduates (including higher vocational students), graduate students (including master students and doctoral students) and second bachelor.

Three, the reasons for not accepting the loan application are:

1. Families own cars, decorate luxurious buildings, and own or use high-end communication tools.

2. Long-term purchase or lease of computers with high configuration and high price (except for special majors)

3. Buy luxury goods such as high-end entertainment appliances, high-end fashion, jewelry or high-end cosmetics.

4. Often eat in hotels and travel frequently on holidays.

5. There are other high consumption behaviors or extravagant consumption behaviors.

6. The annual income of family economy can obviously provide students with tuition fees.

Four, the amount of student loans:

Full-time college students (including second bachelor's degree and higher vocational students) apply for a loan amount of not more than 8,000 yuan per year, not less than 1 1,000 yuan.

The loan amount for full-time graduate students shall not exceed 1.2 million yuan and not be less than1.0 million yuan per year.

The Municipal Education Bureau held a special meeting yesterday, saying that the education departments of all districts in the city are ready to carry out the work of student-origin credit loan, and eligible Wuhan registered college students can apply from September 3.

Student-origin credit student loan refers to the student loan issued by Hubei Branch of China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days.

The characteristics of this kind of student loan are: first, it is a credit loan, which does not need guarantee, but only needs the parents or legal guardians of the students to form a borrower with the students; Second, the loan period is long. The loan period is determined by the full-time undergraduate years plus 10 years, and the longest loan period can reach 14 years. Third, all the students admitted to colleges and universities in our province will be included in the scope of China Law Open, so as to make the best use of their loans (this makes it clear that colleges and universities include all full-time ordinary undergraduate colleges, higher vocational schools and junior colleges, including private colleges and independent colleges, which are approved to set up and implement higher education according to relevant state regulations).

Application material

Freshmen:

1, the original and photocopy of the admission notice 1, and bring and show the relevant notice of the university to pay tuition and accommodation fees;

2. 1 original application form signed by the borrowing student himself and stamped with the official seal of the village (neighborhood) committee (the application form comes from the online system of student-origin loan students, and cannot be filled in manually except for the column of signature and qualification examination);

3. Original and photocopy of ID cards of students and borrowers (parents or other legal guardians). ), as well as the original account book;

Students at school:

1, 1 Original and photocopy of the student ID card (if the student ID card is lost, the original student ID card issued by the school shall be used instead).

2. 1 original application form signed by the borrowing student himself and stamped with the official seal of the village (neighborhood) committee (the application form comes from the online system of student-origin loan students, and cannot be filled in manually except the signature);

3. Original and photocopy of ID cards of students and borrowers (parents or other legal guardians). ), the original household registration book (if the student's household registration has moved out, but there is no note in the household registration book, the household registration certificate issued by the township/street police station is required).

Application time of national student loan

Generally, the application time of national student loan is from September to June every year, 65438+ 10. If the national student loan application is successful, it will be issued in mid-June 165438+ 10. Just wait patiently. After the school deducts the fees, the remaining money will go to everyone's Alipay account. Details are as follows:

1. After the student loan is issued, the students who help the loan cannot be the first to take the lead.

2. When colleges and universities automatically deduct money, they don't need to help students with loans. If the university deducts money successfully, the payment is successful.

3. After the university deducts money, if there is any surplus, it will stay in its own contract Alipay. After Alipay's real-name authentication, you can withdraw the money to the bound bank card for your short-term living expenses.

4. If the amount of receipts owed by colleges and universities is greater than the actual amount owed, the remaining part should be left in colleges and universities and returned to everyone after settlement by colleges and universities. Please pay attention to the specific refund time and method.

The preliminary review and process of its distribution are as follows:

1. After the first batch of loan students handle it on the spot, the students who renew the loan can get the acceptance certificate and contract of student-origin student loan issued by the county student aid center, and at the same time they will all receive the receipt verification message from China Development Bank 95593 about your student loan.

2. At the beginning of the school year, college students with student loans can register and pay in colleges and universities with the acceptance certificate issued by the county funding center. If the loan amount can fully cover the tuition and accommodation fees for the new academic year, these two fees will not be paid! If the loan amount cannot fully cover the tuition and accommodation fees payable, the difference will only be paid by cash or transfer. You can wait patiently after handing in the acceptance form.

3. After the student loan acceptance certificate (or receipt check code) is submitted to the university, the university will conduct offline and online audit.

Offline audit: the main audit is to judge whether you passed the poverty identification of colleges and universities in the last academic year, so as to determine whether you meet the conditions of student loans.

Online audit: after the qualification of college student loan is judged, the college financial aid center will enter the college end of the student loan management system of China Development Bank to enter the unpaid funds for you.

4.10 Before June 15, colleges and universities must enter the unpaid amount for all students with student loans, otherwise they cannot continue to enter. CDB will close the function of entering the collection amount in colleges and universities around the middle of 5438+ 10. After the receipt is entered in colleges and universities, the county aid center will summarize and submit this year's student loan application, and accept the audit of Sichuan Branch of China Development Bank.

5.11From late October to mid-October, all regional branches of China Development Bank will review all the student loan contracts in the province in 20021year. As long as the colleges and universities pass the examination, the certificate uploaded by the county aid center for you is correct, and your own contract is signed accurately, there is no problem with the provincial branch of China Development Bank. Of course, if the certificate uploaded to you by the county student aid center is wrong, or the contract signature of the first loan student is inaccurate, the county student aid center will urge the problematic contractor to make rectification within a time limit or promise to make rectification.

6. After the approval of the provincial branches of China Development Bank, 1 1 will be distributed around mid-June. The student loan you apply for will be credited to your loan contract Alipay. After the account arrives, your university will automatically deduct it from your loan contract Alipay without doing anything. After the successful deduction in colleges and universities, CDB 95593 will inform you of the amount of student loans issued this year and the amount of automatic deduction in colleges and universities by SMS, so that everyone can understand. It takes some time to issue loans, so just wait patiently.

How long does the loan take?

It takes about 3-7 working days to review the general loan application materials. After the bank agrees to sell 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 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.

How long does it usually take to apply for a loan?

Hello, Guiyang, I hope the answer of Honeycomb Loan is helpful to you.

Under normal circumstances, bank loans can be approved within 5-7 working days. If it is a mortgage loan, compared with credit loans, the review of mortgage loans is more complicated and involves many processes, so the natural approval time will be longer. For example, mortgage loans, banks will collect evidence on the spot, identify the property owner, and check whether the property has property rights. The bank will issue a loan agreement to the applicant within 15-20 working days, and the loan agreement will specify the amount and duration of the loan.

How long does it take to approve the loan?

The specific time of loan review varies from person to person, and there is no relevant document requiring the lender to complete the loan approval within a long time. You can borrow money from banks or third-party lending institutions.

When a bank applies for a loan, the department in charge of lending in the bank will conduct a detailed examination of the loan applicant, and only those who pass the examination can get a loan. The time for banks to review loan applications usually depends on whether the application materials of loan applicants pass the customs clearance. It usually takes at least 20 days from loan application to approval.

If the institution applying for a loan is a third-party online lending platform, the time for loan approval will be shorter. Third-party online lending platforms are usually not as strong as banks, so in order to improve user satisfaction, third-party online lending platforms will speed up loan approval.

The approval speed of third-party network platforms is also different, some can be completed within one day, and some can be completed in one second. The third-party network platform has a small loan amount, high overdue liquidated damages and overdue interest, and the way to collect arrears after overdue is relatively direct.

No matter whether you are lending on the online platform or the third-party lending platform, you should evaluate your repayment ability when applying for a loan and make a loan within the scope permitted by the conditions.

So much for the introduction of loan application time.