The time for bank approval varies according to the loan type. The following are five common approval times for bank loans: housing mortgage loans: the approval time is 15 working days to 1 month. Car loan: the approval time is about 15 working days. Personal consumption loan: online approval time 1-3 working days, offline approval time 1-2 weeks. Credit loan: the approval time is 7- 10 working days. Provident fund loan: the approval time is about 7 working days.
How long does the approval process take? This is a problem that many people are very concerned about. It doesn't take a long time to apply for a mortgage, because the bank's approval and audit are very simple, unlike ordinary loans, so the whole process takes less time than ordinary loans. Generally speaking, the loan can be approved in a week or so, not very long.
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1, approval speed of banks
However, the approval speed of bank loans is relatively fast, and the results can be produced in a week or so. However, when handling bank loans, we should know that different banks need to go through other processes and approval processes besides auditing, so it takes more time. At this time, it takes about 15 days from the start of application to the loan. Why are some banks lending so slowly? Some people find this problem when they apply for mortgage loans. Some banks lend very slowly. What is the reason? In fact, this is not the reason of the bank. More importantly, by the end of the year or at other times, the bank's funds may be tight and the lending speed will be much slower. So it is best not to buy a house at the end of the year, but at the beginning of the year.
2. Generally, it takes 65,438+0 weeks to apply for a loan and 65,438+05 days to apply for a loan.
However, there may be a banking situation, which may be delayed for 2-3 months. In order to avoid this situation, we must avoid bank hours. Telephone consultation: Banks and other lending institutions can call their customer service numbers. There will be someone in the organization to provide you with consulting services. You only need to provide your identity and loan information, and they will help you check and tell you the progress of loan approval. Official website Inquiry: Generally, banks or other lending institutions have their own official website, and you can inquire about the loan approval progress in official website. You can enter your account and find the loan progress query in the function bar. You can click Query to know the progress of your loan approval.
3. Counter inquiry
Friends with plenty of time can also bring their ID cards and loan bank cards to the bank counter or the lobby of other lending institutions, and ask the staff to help you check the progress of loan approval. This is also a very convenient method. Contact the account manager: When applying for a loan, the account manager will generally negotiate. If the applicant has any questions, he can also consult the account manager directly. So you can directly find the account manager who helped you with the loan and ask him to help you inquire. In this way, you can quickly understand your own loan approval progress, which is also relatively simple and easy.
Step 4 Apply the query
Now many banks and some lending institutions have their own apps, and there will also be a loan progress inquiry bar in the app. Click Query directly to check the progress of loan approval through APP. First of all, banks are different from other financial institutions in terms of bank loans. Different from other unofficial financial institutions, they belong to national official formal financial institutions. Formal official financial institutions certainly have unusual requirements for loans. After all, there are too many people in the world who need loans. Not everyone can get a loan, there are thresholds and conditions.
5. The conditions and thresholds of bank loans vary greatly.
As we all know, bank loans can be divided into mortgage loans. This condition is very high, because it is a kind of credit loan. The bank will conduct a comprehensive review of your assets, income and credit investigation, and meet the relevant conditions after investigation; Or find a guarantor who needs better assets, income and credit investigation. At this time, the bank will appropriately lower the conditions and threshold of your loan. Mortgage means that you need to mortgage your property to the bank to get a loan.
How long does it take for a bank credit loan to be processed? What are the requirements for handling bank credit loans?
Among all loan products, credit loans are most favored by users. Different from other loans, credit loans do not need to provide mortgage or guarantee, which is fast in lending and convenient in application process. Many borrowers have asked, how long will it take for bank credit loans to be processed? What are the requirements for handling bank credit loans?
How long does it take for a bank credit loan to be processed?
Under normal circumstances, it takes about 3-5 working days for the borrower to submit the loan application form and personal basic information to the bank, and then the bank will review the information. After that, the bank will give the loan approval result within 3 working days, and then the borrower needs to wait 10- 15 days to receive the loan notice.
After the borrower receives the loan notice, the bank will generally lend money in the afternoon of the same day or the next morning. Generally speaking, it takes about 20 working days for the borrower to submit information and complete the loan. If you apply for special loans such as decoration loans, car loans and mortgages, you need to wait longer.
In addition, we need to remind everyone that if the borrower's debt ratio rises during the loan period, or there is a bad record on credit information, it will affect the loan issuance. If the circumstances are serious, the bank may recover the loan.
What are the requirements for handling bank credit loans?
To apply for a credit loan in a bank, the borrower must be at least 18 years old and have full capacity for civil conduct; Have a stable economic income and a certain repayment ability; There is no bad record on personal credit information; Meet other loan application conditions of the bank.
Finally, I would like to remind you that although credit loans are widely used, they should not be used for investment, stocks, securities, etc. Once discovered, in addition to the loan will be recovered, the borrower may also face the risk of being repaid.
The above is the related content sharing of "How long does it take to apply for a bank credit loan", hoping to help everyone!
How many days can the credit loan come down?
Question 1: How many days can the credit loan be repaid? If the information is complete, it can be paid within 3-5 working days.
Banks handle almost all credit loans, mainly based on personal qualifications. The better the qualification, the easier it is to approve.
Conditions for applying for a credit loan:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
Question 2: How long does it take to apply for a personal credit loan? Generally, it takes 1-5 working days to lend money.
Unsecured credit loan information:
(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information;
(2) Provide stable address, housing lease contract, utilities, property management and other related information;
(3) provide a stable source of income, bank running list, labor contract, etc.
Question 3: How long does it take to approve the credit consumption loan? If it is a credit consumption loan, the loan approval time is very short, generally 1-2 working days.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 4: I have a credit card. How many days can I get a loan? If it is China Merchants Bank's credit card E, I will apply for E-loan before 16:00, and the money will usually arrive on the same day. /kloc-I will apply for an e-loan after 0/6: 00, and the money will usually arrive at around 8: 00 the next morning.
Question 5: How long does it take for rural credit cooperatives to issue loans? The lending time of rural credit cooperatives' loans is related to factors such as "their own credit line, whether the borrower's loan procedures are complete and the purpose of the loan".
Generally speaking, if the credit line of rural credit cooperatives is loose and the borrower's loan procedures are complete, it will take about seven working days to lend money;
However, if the credit line of rural credit cooperatives is tight, the lending time will be delayed, and it is normal to get the loan funds after 1-3 months.
Question 6: How many days can the credit loan be repaid? The lending time of each company is different. Some companies can lend money in two or three days. The basic information is as follows
1. Submit original materials. Review 3. Sign a loan contract. Then borrow money!
Preparation materials required by customers
：
1. New version of the second-generation ID card (original)
2. Household registration
3 credit report
4. The bank statement stamped with the official seal of the bank for the last 6 consecutive months;
5. Work certificate; (Please provide one of the salary slips of the labor contract and work card stamped by the company)
6. Proof of address (real estate license or rental contract) (one of the utilities bills in the last two months or (property management fee receipt);
7. Other asset certificates that can increase the loan amount.
8. Marriage certificate
Friendly reminder: 1. I or my spouse have assets (real estate, vehicles, securities, etc.). ) in their name, and the loan amount can be increased.
Question 7: How long can the personal credit loan be repaid? General bank personal credit loans can be repaid within half a month.
Question 8: How long does it take for ICBC's online credit loan to be submitted for approval? It takes about a month.
I hope I can help you. If your problem is solved, please adopt it. Thank you.
Question 9: How long does it take for a personal credit loan to be released in 3-5 days? You can apply at the local bank.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 10: How soon can I get the personal credit loan from ICBC? 1. If it is a credit loan application submitted now this year, it may take a little longer than usual.
2. Generally, it takes about 4-6 days to inquire, collect data, investigate and report the loan approval application at the branch level (excluding weekends), and it takes 2-3 days to verify the data and approve the loan at the branch level. Generally speaking, the loan can be repaid in about 10 days.
This year, the national credit policy is strictly controlled, and banks are gradually reducing the scale of personal credit loans. If your credit loan has no result after 15 days, you should call the account manager to ask about the loan approval.
How long does it take to approve the bank loan?
About five working days.
In order to avoid risks, the bank's work is very rigorous, and the approver will re-examine the auditor's work. If there is no problem, the bank will inform that the loan has been approved, and the tax payment can be transferred, which usually takes about 5 working days.
If the original owner does not have a loan, he will pay taxes and transfer the mortgage property certificate after approval, and the bank will lend money in about seven working days. If the original owner has a loan, he needs to apply to the loan bank for early repayment after signing the contract. Time depends on the bank itself. Some owners need a month to pay taxes and transfer mortgage property certificates after the loan is paid off.
Matters needing attention in housing loan
Apply for a mortgage according to your ability: some users will think that the larger the loan amount, the better. Actually, that's not the case, because after you get the mortgage, you have to pay it back and you have to pay interest. If the loan period is long and the loan amount is large, then it is necessary to pay more loan interest and increase the repayment pressure.
After the loan application is approved, the buyer can repay the loan every month. Then, if you encounter difficulties and can't repay the loan on time, the buyer can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.
For the above contents, please refer to People's Daily Online-How long will the loan be approved (Chengdu Bank).
Excuse me, how long is the general approval time for bank loans?
1. The approval time for bank mortgage loans is generally 2 to 3 weeks. In addition, if the loan amount is small and you have a stable job and income, you can also apply for a personal credit loan (unsecured and unsecured). Generally, this kind of loan application requires you to have a stable job and income, a good credit status, and just punch in your monthly salary (or deposit money in a bank account every month), which can be 5- 10 times of your monthly income. If you are a civil servant, you can borrow more. Or apply through the online loan platform, the threshold is low and the loan is fast.
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3. It generally takes about 15-20 days for a bank to apply for a loan, and different applicants and loan types need to provide different loan application materials. Common personal data such as: identity certificate, work certificate, residence certificate, etc. Enterprise application materials, such as business license, financial statements, loan cards, etc. Financial proof of mortgage loans such as real estate and automobiles; Credit loans such as income certificate and bank card statement. If you are in a hurry to use money, you can try online loan products. The application threshold is low and the loan is fast. You only need an ID card to handle it, and you don't need any mortgage or guarantee.