How long does it take to quickly approve loans?

How to handle the loan quickly

In the inherent impression, the bank's loan product review is very slow. For a mortgage loan for one month, it takes seven days for a credit loan at the earliest, but in fact, the bank has also made many changes in the fast loan product.

2. With the rapid development of internet finance, many enterprises have entered the financial field and started their own micro-loan products.

3. If you have a credit card, you can also use it for emergency when you need money urgently. The credit card cash installment function is also very powerful, and its loan amount is determined by the available balance of the credit card. At that time, when applying, the funds can be received immediately and repaid on time every month.

4. If you have a policy with cash function and have paid the insurance for more than one year, you can also get a loan quickly with the policy. The amount of general policy loans is about 8% of the policy value, up to 9%, and the loan interest rate has risen on the basis of the benchmark interest rate of the central bank in the same period. The loan arrival time is generally 1-3 days. Relatively fast.

Express Loan-Quick Lending Skills

1. Applying for a loan through online channels, the greatest benefit brought by the Internet is its convenience. Compared with the bank's loan business, users can handle the loan business through the mobile phone client, eliminating the trouble of waiting in line, filling out a large number of application forms and running back and forth.

2. Self-audit of materials. To quickly pass the audit of lending institutions, the applicant must first ensure that the information submitted by him meets the lending standards of lending institutions. Whether the personal basic information is filled in accurately, whether the income certificate is true, and whether the personal credit situation is good. Check whether your information is wrong in advance and ensure that the information you fill in is accurate, so that your information can pass the examination more quickly.

3. Answer the questions calmly. After submitting the loan application, the applicant may meet the staff of the lending institution to pay a phone call back or visit at home. The reason why the lending institution does this is to know about the applicant. In this case, the applicant should actively cooperate with the examiner to answer questions, remain calm and answer questions honestly. The borrower can also inform the reserved contact person of his loan application, which can also help Kaiyou dig up and help the borrower to get the money faster.

which platform loans are easily approved?

The platforms for online loan are as follows:

First, money flower: money flower is a credit service product under Baidu, which has always enjoyed a good reputation and the lending speed is relatively fast. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 2, yuan, and 1, yuan is borrowed from 1.1 yuan with one-year average daily interest. The better the credit, the lower the interest rate.

second, borrowing money: borrowing money is a pure credit loan product launched by AliPay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users, ordinary users can only apply for opening if their sesame score is above 6. According to the sesame score, the loan amount is 1,-3,, the minimum daily interest rate is .2%, and the loan period is 12 periods. It has always been a conscientious loan platform.

3. Return: Shanghai Shuhe Information Technology was established in 215, and returned its products in 216. The major shareholder is Focus Media listed company (stock code: 227), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.

4. Micro-loan: the first Internet bank under the banner of Weizhong Bank Tencent, whose products include micro-loan and micro-car loan, and are committed to providing fast financial services for small businesses and individual consumer groups.

v. Paipai Loan: Paipai Loan was established in 27 as a p2p financial platform listed on new york Stock Exchange. Auction loan products are mainly divided into bulk bid and rainbow bid. At present, we provide users with credit loans with a maximum loan amount of 2,, and the monthly loan interest rate is about 1%. Users can choose appropriate loan products according to their own needs.

How can I quickly pass the loan Approval

It is recommended to choose formal channels to handle the loan. If you need to apply for a small cash loan, China Merchants Bank has launched a lightning loan business. At present, you can apply through the mobile banking app or check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be distributed to the designated account, and the funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Borrowing → Lightning Loan" to apply for lightning loan. 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.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit limit does not exceed 3,, which is subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the Mobile Banking APP of China Merchants Bank or the "Lightning Loan" module of online banking to check your maximum application amount. The minimum amount of a single withdrawal is 1 yuan, and the maximum amount does not exceed the limit, and it needs to be an integer multiple of 1.

4. There are two ways to apply for lending within the lightning loan limit:

(1) lending within 15 minutes will be automatically approved within 5-1 minutes, and the loan will be released immediately after it is approved, and the result will be informed by SMS

(2) there will be a phone call to verify the loan within T1 days, and the loan will be arranged after the information is confirmed. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5-1 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

② There will be a query record on the credit information when the lightning loan is established. If you only succeeded in establishing the amount, but did not withdraw money: there will be no record of the amount in the credit investigation; For each subsequent withdrawal, there will be a new loan record in the credit information.