How long does it usually take for loan approval?

1. How long does loan approval usually take

The time for bank loan approval is related to the type of loan you apply for: Many banks now have small loans, and the approval time is very fast. Basically, the approval results are issued in real time and can be credited to the account on the same day. Large loans: The approval time for large loans is longer, usually 15 working days, because it generally involves review, evaluation, mortgage registration, contract signing, etc., and a lot of paper information needs to be submitted when applying for large loans. , if the information is insufficient, it needs to be supplemented. : 1. Loan approval: Loan approval is a process in which the person in charge of the credit business "identifies the facts, grasps the policy, and determines the loan" within the prescribed approval authority and based on the loan application and pre-loan investigation opinions. Working capital loans are subject to a three-level approval system. Leaders in charge are responsible for decision-making on the results of loan disbursement. Fact determination means that the approver reviews the reasons and purposes of the loan provided by the enterprise and the loan officer, and correctly determines its nature. Master the policy, based on the identified facts and the credit policies determined by the state and superior banks, and ultimately determine whether to lend or not, and whether to lend more or less. Determining a loan mainly involves deciding the loan amount, repayment period, interest rate and loan method. 2. Loan approval content: When checking a borrower's credit report, a general lending institution will check the user's credit report record in the past two years. They will mainly check the following points: 1) Personal information: It will be recorded in the credit report. The user's personal information, including name, age, address, phone number, education, work unit and other information, is then compared with the personal information submitted by the user to see if the information is consistent, and then reviewed. Therefore, users must not commit fraud when applying for a loan. After all, your personal information will be recorded in detail in the credit report. Once false information is provided, the loan will fail. 2) The number of times a user’s credit information has been queried: Every time a user’s credit information is queried, there will be a record. If the number of times a user’s credit information has been queried is greater, and the time since applying for a loan is shorter, then it means that you are applying at this time. If you have a large number of loans and the economic situation is not very healthy, it may affect the results of your loan application. 3) Liability situation: The lending institution will check the user's current loan situation, including the lending institution, loan amount, remaining unpaid amount, etc. If the user currently has more loans to repay, it means that the user has more debt. If the number is too high, the chance of a new loan application being successful will be very small.

2. How long does it usually take for the first loan approval of ICBC e-Loan? How to get approval quickly? ICBC e-Loan is a personal credit loan product of ICBC, which can be used for car purchases, home decoration, travel and other consumer purposes. Many friends are applying for ICBC e-Loan. How long does it usually take for approval? How to quickly answer these questions for you.

1. ICBC e-Loan First Loan

If you meet the application conditions of ICBC e-Loan, fill in the information and submit the application, the review results will be notified in the form of a text message.

2. Is there a way to quickly pass the approval?

According to netizens who have applied for e-loans, apply for an ICBC credit card first, and then apply for financial assistance. But the bank did not confirm that my friend could give it a try.

3. Application conditions for ICBC e-financing

Chinese citizens aged 18-60 with full capacity for civil conduct; have a fixed job and stable source of income; work unit or residence in The location of the loan issuing institution; other conditions specified by ICBC.

The value is a whitelist invitation system. Only high-quality customers can pass. It is recommended to apply for an ICBC credit card, use more ICBC financial products, and try to apply again after a while.

3. How long does it take for bank loan approval?

If the loan is not approved, please go to the bank in time to check whether there are any missing parts or qualification problems. If the loan has been approved but not disbursed, it may be The bank's loan balance this month is insufficient, so it will be arranged to next month, and the loan approval can be completed within 10 working days. Of course, different loan methods have different review and approval times. For example, when applying for a provident fund loan for an individual, it takes 15 working days for loan approval and 10 working days for mortgage.

Therefore, it is more reliable to consult about the approval time when applying for a loan.

The length of time for online bank loan approval is based on the materials prepared by the applicant and the individual's financial situation. Different loan applications are different. Normally, when applying for an ordinary online bank loan, the payment can be made within a month at most. If you are in a hurry, you can call the bank to urge it. The best way is to have someone familiar with it in the bank. In that case, you can get it within a few days. The payment has been made.

To a certain extent, different loan methods also mean different review methods. Therefore, you still need to consult clearly about the review time to avoid delaying the loan time.