Why haven't you received the money since the loan was issued successfully?

The loan was successful, but the money did not arrive.

The bank borrowed money, but the user hasn't received the money yet. You can wait a little, and it will usually arrive in 2 hours. If it hasn't arrived for more than 2 hours, the user can directly contact the customer service of the bank and ask the customer service to inquire about the specific whereabouts of the funds. For users, the loan is successful only when it arrives. If the user does not receive the money, the bank will not charge any fees. And whether the account has arrived or not is recorded, so users don't have to worry about unreasonable charges.

There may be the following reasons:

1. Error in receiving bank card: When applying for a loan, you need to fill in the receiving bank card. If the bank card is filled in incorrectly, the system will not be able to pay when the loan is issued due to the wrong card number of the bank card, which will lead to the situation that the loan funds show that the loan has been released but the money has not arrived.

2. Loan delay: If the loan has been released but the money hasn't arrived yet, it may be caused by the system delay, because the system will display the paid money after payment, but the arrival time is delayed, because the arrival time of different receiving bank cards is different, and there will be delays.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Commercial banks operate on the principles of safety, liquidity and efficiency, and implement self-management, self-risk, self-financing and self-discipline.

1. Loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Why didn't I receive the money when the online merchant bank loan succeeded?

The reason why the online merchant successfully obtained the bank loan but did not receive the money:

1, network delay, money on the way;

2. If the loan is not processed on Saturday and Sunday, it will be recorded on Monday;

3. The balance of the money that has been credited to the online merchant loan can be viewed in the current balance of the online merchant loan, and then the money can be withdrawn to the bank card.

Online merchant banks take the Internet as the main means and tool, operate in a fully networked way, and provide financial services and products with network characteristics, suitable for networked operation and relatively simple structure.

Online merchant banks adopt the business model of "small deposits and small loans", and their customers are small and micro enterprises and individual consumers in e-commerce. Specifically, it provides personal deposit products below 200,000 yuan and loan products below 5 million yuan. In addition, there are problems of product proportion and total number of single households.

What happened when the loan was successful but the money didn't arrive? Actually, the reason is very simple.

When going to the bank to apply for a mortgage, many borrowers have a high pass rate when applying for a mortgage, but when lending money, many borrowers will find that the bank has not received the account for a long time. Even many borrowers have consulted. What happened when the loan was successful but the money didn't arrive? In fact, the reason is simple!

What happened when the loan was successful but the money didn't arrive?

There are two common reasons why bank loans are not received: First, the bank card is wrong. When issuing loans, the system can't make money because of the wrong bank card number, which will lead to the situation that the loan funds show that the loans have been released, but the money has not yet arrived.

Second, the loan is postponed. After payment, the system will show that the payment has been made, but the arrival time is delayed, because the arrival time of different bank cards is different, and there will be delays.

In general, banks need to go through a complicated procedure and process before lending money. Most banks will go through the process in the morning and then send mortgage loan notices to buyers from 3 pm to 6 pm. If the speed is faster, the buyers will receive the mortgage in the afternoon.

If the speed is slow, buyers will generally receive the news that the mortgage has arrived the next day. If the account is delayed, it may be because there is a rest day in the middle. Banks don't go to work on holidays such as Saturday and Sunday, so they won't give home buyers mortgages.

If it is neither a holiday nor a slow banking system, the buyer can wait for about 2 days. Then call the official staff of the bank for details. After all, bank lending is a systematic lending, which may also be due to other reasons such as slow system lending and missing buyers.

The above is the related content sharing of "the loan was successful but the money didn't arrive". I hope it will help everyone!