The loan approval on the credit report indicates that the user has applied for a loan from a bank or other financial institution.
1. When a user applies for a bank loan, the bank will query the user's personal credit information; When users apply for loans on other lending platforms, they need to inquire about credit records, and institutions will also inquire about users' credit records when auditing. Therefore, these loan approval records will be reported to the central bank's credit information system and recorded.
2. There should not be too many loan approval records, which will lead to the destruction of users' credit information. After the credit information is distorted, it is difficult for subsequent credit business applications to pass the examination. Therefore, when handling credit business, users must pay attention to the interval time, and do not handle credit business frequently in a short period of time, so as to recover credit information within a certain period of time.
3. When applying for a loan, check the credit records left by the bank or loan company. Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status. It is the basic product of personal credit information basic database. In order to have a clear structure, the content of credit report is divided into several parts according to different information categories, each part is divided into a part, and each part is further subdivided.
4. In some respects, the credit report is our personal privacy, so we need a reason to inquire about the credit record. Someone or some banks can check our personal credit report at will. If we apply for a loan in a bank or a credit institution, credit approval means that the credit institution inquires about your personal credit information in the name of "loan approval". The credit report can show our credit level and debt situation, so when accepting a loan application, the lending institution will inquire about the borrower's personal credit situation, keep the inquiry record of "loan approval" and indicate the name of the inquiry institution.
The loan balance refers to the loan principal that you have not paid off as of the inquiry date. For example, you borrowed a loan of 6,543,800 yuan, and the credit report shows that the loan balance is 50,000 yuan, which means that the loan still has 50,000 yuan in the bank.
Difference between loan review and approval
Many small partners are eager to lend money, but after waiting for a long time, they find that the application status has changed from loan review to loan approval. What's the difference between these two states? Tell us about it.
China's review refers to examination and approval, and examination and approval refers to inspection and guidance. Specifically, when an applicant applies for a loan and submits materials, the lending institution will first review the applicant's materials, that is, whether the applicant's information is accurate and true, and the applicant's loan purpose. Generally speaking, loan review includes online and offline. First, check the accuracy of online data, and then check the authenticity of offline data. For example, the audit of income certificate will help the bank account to judge whether the applicant's information is true and credible, and contact the applicant's company by telephone to ask about the applicant's position and work in the company.
Approval means instruction. In the process of loan approval, the application means that the lender has passed the loan review and the lending institution finally decides whether to lend. Generally speaking, loan approval means that the loan is already in the process of distribution and the applicant has successfully applied for the money. Therefore, loan review has become loan approval, which contains very different meanings.
I believe that the articles you have passed have a deeper understanding of loan review and loan approval, and I hope you can successfully apply for a loan.
How long can a bank loan usually be approved?
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 long to apply for a mortgage, because the bank's approval and review 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.