Generally speaking, if it is not a large loan such as mortgage, after the borrower provides the loan application, the time from loan approval to loan issuance will not exceed 15 working days.

Credit loans, in particular, can generally be completed on the same day. If it is a car loan or mortgage loan, the loan will generally be completed within 15-20 working days.

If it is a mortgage, the lending time is not necessarily.

After the borrower submits a mortgage application, the bank collects the borrower's personal data, writes a loan application report according to the bank's credit application template, and reports it to the branch for approval after being approved by the branch president. This time will take about 1-3 days.

After the borrower's information reaches the branch, there are still two links to go: review and approval.

The review process takes a long time, usually several days. Because auditors need to check whether the loan information is wrong one by one, such as why the bad records on the credit report are generated, and whether the income situation and salary flow are correct.

If any information is missing or inconsistent, the borrower shall submit supplementary explanations.

The approval process is generally fast, which takes about 1-2 days.

It takes about 15 working days after the approval of the branch. After that, the bank needs to apply for mortgage registration, which takes about 7 days.

Finally, the bank needs to face the borrower face to face, which takes a day. After the face-to-face signing is passed, the bank will generally lend the loan funds to the third-party account within 7 days. When lending money, banks usually send text messages or call to remind them.

If the borrower applies for a provident fund loan, it will take longer to lend because it involves the approval process of the provident fund center. Provident fund loans generally take 2-3 months from approval to lending.

Generally speaking, when approving loans, bank loan approvers will put forward some additional requirements according to the actual situation of users, and banks will only lend money after users need to implement relevant conditions.

Before applying for a loan, the borrower can check whether there are overdue records in his personal credit report and whether the bank's running water meets the loan requirements within six months.

Just received: Xiao Mu data. Click Query and enter information in the applet, and you can find your own credit data, personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

Extended data:

How to eliminate the number of personal credit inquiries?

No one can delete the credit record, and it will be automatically deleted from the credit report only when the time is up. Among them, bad credit records need to be eliminated after 5 years of bad behavior termination; Query records only show the records of the last two years, that is, each query record is pushed back two years according to the query time, that is, the time when it was eliminated.

But it doesn't mean that the borrower can't apply for a loan before the inquiry record is completely eliminated. As long as it takes about 36 months to properly maintain the credit information, if there are no new inquiry records, no bad credit records and good personal repayment ability, most lending institutions will still recognize the qualifications of borrowers.

2. How long will the loan be released after the pre-approval is passed?

If the loan has been approved, pre-approval. It usually takes 1 to 3 working days to release the loan. If it is safe, the loan will be released immediately.

The bank loan has been approved. How long does the loan take?

Unsecured 1-5 working days, mortgage loan needs 22-25 working days, and the specific lending time is subject to the local bank.

The process of handling bank loans:

1. The borrower applies for a loan;

2. Prepare loan related materials;

3. Customer manager loan survey;

4. Bank approval;

5. Both parties sign a loan contract;

6. Implement mortgage, pledge, unsecured contract or other guarantee contract;

7. Bank loans;

8. Post-loan management;

9. Repay the principal and interest when the loan is due.

4. How long will it take for the bank mortgage to be approved?

Mortgage review

Personal housing mortgage, different banks or different housing loans, mortgage time is mainly divided into:

1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Many people like it because of the low interest rate of personal housing provident fund loans. However, this kind of housing loans is slow to lend, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.

2. Commercial housing mortgage loan is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.

3. If you want the bank to lend money, you can lend money within 3 working days after the transfer. If you need a loan, it usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license.

After the mortgage was approved, there were many

What is the bank mortgage approval process?

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2. Review by the credit review department. The credit review department receives the relevant regulations of this institution for review. If there is any doubt or omission, the operating institution will be required to supplement the materials. If it does not meet the requirements, the materials will be sent back to the operating organization (generally, the organization will review it by itself when submitting it). After the audit is completed, the auditor will go out and find the person in charge to audit.

3. After verification, submit it to the leaders in charge of the branch for approval. If it is rejected normally, it will usually be within three days.

4. When lending money, the leader in charge can issue an approval notice after review and submit the materials to the business organization. At this time, the account manager can go with relevant materials.