ICBC's loan is under approval.

ICBC's mortgage has been approved since September 6th, during which no phone call was received. How many days does it take to complete the approval?

It means that "the money is being approved" is being approved. The approval time of different banks is different, and the approval time of special periods such as holidays will be different. ICBC's mortgage approval time is generally 2-3 weeks, and it may take 2-3 months when it is slow. I suggest you wait patiently!

Under normal circumstances, it takes about 1 month to get the mortgage (generally speaking, the longest time will not exceed 30 days). If it is fast, it may be half a month or 20 days. At present, most banks are strict and complicated in the review process of mortgage, so it may be a bit slow. If you are really in a hurry, I suggest you go to the bank or call for advice.

If the information is complete and meets the loan conditions of ICBC, the loan approval can generally be completed within 2 working days. Please refer to the actual situation for the specific lending time. While waiting, you can also check the specific progress through your mobile phone. Specific methods:

(1) Log in to online banking-find "online loan"-select "application result query" function;

(2) Log in to the new online banking-"Favorites-Loans"-"My Loans"-"Loan Application Result Query" function-query the loan approval progress;

(3) Mobile banking inquiry. (Apple 12, ios 14, China Industrial and Commercial Bank Online Banking APP6.7.0)

Common audit links of bank loans:

Property value audit:

1. The first thing to be audited is the value of the property mortgaged by the loan applicant, which is evaluated according to the geographical location, city, environment and location of the house. The value of real estate is not simply evaluated by the transaction price of buyers and sellers. It needs to find a professional and formal evaluation company for professional evaluation. The age of the house and the type of the house can be used as a reference for evaluation.

2. Review of the borrower's borrowing ability: The bank will review the personal situation, political situation, family situation, work situation, social background and personal credit of the borrower to ensure that there will be no problems in the later period.

3. Guarantee company guarantees second-hand housing: Company guarantee is essential in second-hand housing transactions. A reliable, professional and reputable guarantee company will increase the possibility of loan success.

ICBC Ronge Loan has been displayed in the approval process since the loan application was submitted. How long does it take to review?

ICBC Ronge Loan has been displayed in the approval process since the loan application was submitted. How long does it take to review?

Generally 15 working days or so!

If you have this limit, your credit card also has a reference limit. If you don't have his credit card, you can also apply for one!

Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at 55 Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and one of the four largest banks in China.

China Industrial and Commercial Bank has the largest customer base in China, one of the largest commercial banks in China and one of the top 500 enterprises in the world. Its basic task is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.

How long does it take for ICBC to normally approve e-loans?

Look at personal qualifications, the better the qualifications, the easier it is to apply. You can apply now, and the unsecured time is usually 1-5 working days.

Information:

Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information;

Provide stable address, housing lease contract, utilities, property management and other related information;

Provide stable income sources, bank statements, labor contracts, etc.

How long does it take to review micro-e-loans?

One to three working days, look at your information is incomplete, if fully prepared, they are very efficient.

Repay the loan. How long will it take?

I suggest you choose the bank channel to handle personal loans.

If the application amount is less than 50,000 yuan, you can log in to China Merchants Bank Mobile Banking and click My-All-Loan-I want to borrow money to try to apply through this interface. Or you can apply for a loan by credit card: log in to Pocket Life and click Card Finance-Reserve Fund-Apply Now below to try to apply for a reserve fund here, depending on the audit results.

How long does it take to apply for loan review in Cai Xi?

Generally within 2 days, depending on the selected product.

How long does it take to apply for a loan?

The online loan has not been repaid, and you still apply? give up

How long does it take to review the loan application for additional credit after submission?

It is recommended to apply for loans through bank channels. China Merchants Bank has a lightning loan business. At present, it can only apply through mobile banking, or check whether it meets the application conditions.

If you have a savings card of China Merchants Bank, you can log in to mobile banking and enter the application page in My → All → My Loan → My Lightning Loan.

The maximum loan amount is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

After submitting the application, if you need to verify it by phone, you will receive a short message: Dear Sir/Madam, hello! We need to verify the application information of lightning loan with you, and will contact you later through 0755-888 15555. Please keep the phone open.

If the SMS is not received, the loan will be released in 5- 10 minutes.

Tips: The audit phone will contact you within 24 hours after your application.

How long will it take to get the loan review immediately?

Generally, the results can be audited on the same day, which is quite fast; Generally, the loan will be released within half an hour after approval, and it will be received in 5 minutes at the earliest.

How long does it take dot to review the loan quota evaluation application?

If the information you provide is true and effective, the system can complete the review within 1 sec at the earliest, and the quota will be issued every second. In case of rush hour, the processing speed of system audit may be slightly delayed.

How long will it take for the last loan review?

Generally speaking, the internal audit takes 5 working days, but in fact, if it passes within 4 days, it will be regarded as a bid failure. If the internal bidding passes, it will not be full within 10 days and the bidding will be lost. In addition, the auction loan service fee plus interest is extremely high. A little higher than usual. Use it carefully!

ICBC's mortgage has been accepted. What aspects are investigated in loan approval?

After submitting your materials, it is very important for the bank to check whether it is overdue and whether the real estate and work unit under your name are quality units according to your personal credit information. Banks are now strict in the inspection and control of housing loans, which will take some time. Generally speaking, large banks will provide you with services for a period of time. There is no problem with credit reporting, and banks can generally pass the audit. If you borrow money, try to find a small bank and make a reasonable plan according to your personal credit information.

Different banks, different time periods and different approval times.

For example, ICBC's housing loan approval time is generally 2-3 weeks. If the approval is slow, it may take 2-3 months.

1. View the links related to bank loans.

1. View property values

The first thing that needs to pass the loan review is the value of the mortgaged property itself. According to the changes in the market, the properties in different places, different environments and different lots in the city determine whether they meet the loan conditions.

The type and age of real estate are the factors to evaluate real estate, and the value of real estate is not determined according to the transaction price of buyers and sellers, so it needs to be evaluated by a professional evaluation company.

2. Review the borrower's ability

Secondly, for the loan applicant himself, income source, family status, social background, credit record, etc. They are all objects that banks need to review.

3. Second-hand houses need guarantee from guarantee companies.

If it is a second-hand housing transaction, the participation of guarantee companies is essential. Qualified, formal and professional guarantee companies will provide more guarantees for the success of home buyers' loans.

The process after ICBC loan approval is as follows:

1. After the loan is approved by ICBC, the borrower will sign a loan contract with ICBC. If it is a mortgage loan, you need to sign a mortgage contract and a guarantee contract.

2. After signing the relevant contract, if there is collateral, you need to go through the mortgage registration procedures. If it is a credit loan, this step can be ignored.

3. After going through the relevant formalities, the bank will issue loans as required, and the borrower will repay the loan principal and interest on time until it is paid off.

ICBC mortgage is available in the mobile banking APP. Has it been approved or is it being approved? You got it?

It doesn't have to be like this. If the approval fails, you can also check it in mobile banking. You can choose to use mobile banking to check the progress, log in to ICBC mobile banking, and select Favorites-Loans-My Loans-Query Loan Application Results to check your loan approval progress.

1. What is Industrial and Commercial Bank of China? China Industrial and Commercial Bank maintains a leading position in the market in terms of channels, products, customers and market brands. It has been selected as the "Best Personal Online Bank in China" by Global Finance magazine for five consecutive years, and it is the first bank to win the title of "Best Online Bank for Deposit Services in Asia" and the honorary title of "Best Online Bank for Deposit Services in the World".

2. Impact of overdue loans of ICBC:

1. The interest on your loan will be higher and higher. After loans overdue, penalty interest will be charged on a daily basis. The longer you stay in loans overdue, the higher the interest.

2. The bank will urge you to repay the loan as soon as possible by sending text messages, calling, etc., and will also call family, relatives and friends, which will affect your daily life;

At that time, the bank will report your overdue credit records to the credit information system, and your credit will be restricted. It will be difficult if you need a loan in the future. At the same time, if you go out by high-speed rail, plane, etc. Your ID card may be useless and will be blacklisted by the state.

4. If the overdue time is too long and you still refuse to repay after being collected, then your property may be auctioned by the bank. 3. SMS about ICBC's fee deduction.

1, SMS reminder service, you need to bring your ID card to the local bank counter. 2. The monthly SMS fee is 2 yuan. 3. The bank will deduct the fee at one time according to your account opening time. 4. If you handle the loan business in ICBC, the system will push the repayment reminder service to you a few days before the loan repayment date. When the balance of the repayment account is insufficient, ICBC will send you a reminder message before the repayment date.

Dear teachers, I asked mobile banking to check the progress of ICBC's mortgage, showing that the loan survey is under approval. I asked the intermediary and it was approved. Did it really pass?

The mortgage progress of ICBC's mobile banking shows that the loan is being approved. It is true to find an intermediary to say that the approval has passed.

Under the condition that the information you submitted is complete and meets the loan conditions of our bank, the loan approval can generally be completed within 2 working days. Please refer to the actual situation for the specific lending time. That is to say, the salary, provident fund payment, tax bill completeness and other materials mentioned when you pay for the goods can only be released after manual review and leadership approval, and the time is about one month. You can log in to personal mobile banking and select the function of "Favorites-Loans-My Loans-Query Loan Approval Results" to check the loan approval progress.

Mobile phone: iOS 12

Moreover, after you submit the materials, it is very important for the bank to strictly control the mortgage, and it will take some time. Generally, big banks will let you have a credit report for a period of time, no problem. Ordinary banks can make reasonable plans based on your personal credit report by lending or trying to find a small bank.

In addition, the general loan process is: loan application, loan review, loan approval, contract signing and loan issuance. The loan approval is carried out after the loan approval. Therefore, the customer's loan progress is in the process of "loan approval", which means that the loan application has passed the examination and approval, and it is at the stage where the lending institution decides whether it can lend money. In most cases, ordinary customers have passed the loan review and entered the loan approval. Even if the loan application is passed, a loan contract will be signed soon to get a loan. If the materials are complete, your time should be about the same. I suggest you call, or wait a few days to see, there is a paragraph in the middle Have some influence.

Finally, if you apply for a personal loan at China Merchants Bank, if your application materials are complete, it will take about 15 working days for approval. Because it involves evaluation, mortgage registration and other links, each customer's situation will be different. You can directly contact the handling outlets or loan account managers for confirmation. It is more troublesome to consult in the business hall. In ICBC's loan inquiry method, going to the business hall is the most troublesome, because you need to go to the business hall yourself, but it is easier to get the information you want this way.

Why has ICBC's mortgage application been under loan approval?

I suggest waiting patiently. Because the approval is not completed, I have been conducting loan investigation and approval. Generally within 3-7 working days after submitting the application materials. If your application materials are relatively complete and the relevant procedures are complete, you can successfully approve it within two days at the earliest. You can log in to ICBC mobile banking and check the progress in "My Loan". (China Industrial and Commercial Bank Mobile Banking iPhone and Android versions can be downloaded: version 6. 1.0.9.2).

Time spent in the mortgage application process of China Industrial and Commercial Bank;

1. The applicant communicates with the developer whether to support ICBC's housing loan, and if so, signs a housing contract with the developer (1 working day);

2. The applicant submits the loan application materials to ICBC's business outlets, and ICBC will examine and approve them (3 to 7 working days);

3. After the approval, the applicant signs a loan contract at ICBC outlets with the house purchase contract (1 working day);

4. The applicant holds the loan contract and the purchase contract to the Housing Authority for mortgage registration (3 to 5 working days);

5. The applicant applies for approval at the counter of ICBC with the mortgage certificate, and the ICBC outlet submits it to the superior for approval (10 to 20 working days);

6. After approval, the buyer and the developer negotiate to prepare a loan account (1 working day);

7. ICBC will issue the loan to the enterprise account of the developer within 5 working days.

ICBC mortgage application process

1. You submit a written loan application to ICBC and submit relevant materials;

2. Loan approval. ICBC approves loans according to your application materials;

3. sign the contract. After receiving the notice of loan approval from ICBC, you should go to the loan bank and sign a loan contract and corresponding guarantee contract with ICBC, and go through the formalities of registration and notarization of mortgage (pledge) as appropriate;

4. Issue loans. With the approval of ICBC, ICBC will transfer the loan funds into the bank account opened by the real estate development enterprise or the ICBC supervision account agreed with the borrower according to the loan contract after completing the relevant formalities;

5. Repay on schedule. After the loan is issued, you must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract;

6. loan settlement. Loan settlement includes normal settlement and early settlement.

(1) Normal settlement: the last installment of the loan is settled.

(2) Early settlement: If part or all of the loan is settled before the loan maturity date, an application shall be made to ICBC in advance according to the loan contract, and repayment shall be made at the designated accounting counter after approval by ICBC.