How long does it take for the bank loan to pass the examination?

How long does it usually take for banks to lend money?

Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

Generally speaking, bank loans last for 7- 15 days, provided that customers have good qualifications and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to provide a driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

1. Loans to banks are generally divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

1) has something to do with the bank. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

2) Have a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

3) Let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

How long does it take for bank mortgage approval?

First, after the bank approves the mortgage, the loan can be completed in 1-2 weeks. However, if the bank is short of funds, the time for mortgage lending may be extended to one to two months. After receiving the loan, the bank will generally notify the borrower by SMS, telephone and other forms. If the loan has not been released for a long time, it is recommended to contact customer service to check the loan progress.

Second, how long can the house loan be approved?

Each bank's audit methods and personal qualifications are different, so the approval time of housing loans is not fixed. Common loan methods are commercial loans and provident fund loans, and provident fund loans need more information and procedures. Generally speaking, the approval of commercial loans will be faster, and it will be approved within one week after submitting the application. The loan review of new houses is faster than that of second-hand houses, and new houses can generally be approved in 3-5 days. The review time of provident fund loans is a little longer, generally about one month, and it will be approved within three months at the latest.

Third, the next time to pay the housing loan.

After the housing loan is approved, the next payment time is faster. Under normal circumstances, the loan will be released within 1-3 days after approval. Of course, there will be some special circumstances, such as negotiating with the developer to lend money at a special time. Various taxes and fees for buying a house are also a big expense.

Summary: The time for housing loan approval is long or short, but the longest time will not exceed 3 months. If you don't receive any notice after this time, you can apply for a loan directly from the bank, and you can call the bank for advice. If you apply for a mortgage from a bank that cooperates with the developer, you should ask the developer's staff as soon as possible.

Why do you need a loan to buy a house?

First, currency depreciation and inflation, coupled with the appreciation potential of the house itself, loan to buy a house can be said to be the most convenient financing method. In fact, opening to the outside world is not necessarily the space for financial appreciation. But in general, it is also good to buy a house with peace of mind, save some spare money or make other investments. Therefore, the core of diversified loans is long-term loans for housing loans, which will dilute our loan costs over time and ensure our income and smaller payments as housing prices rise.

Second, for banks, housing loan is not a profitable loan, but most property buyers like to repay in advance when they have money. This reduces the risk of high-risk loans. For the advance payment, the buyer is actually very poor. If the loan of 20-30 years is paid off after 5 years, the interest paid is equivalent to the annual interest rate of about 9%. This gap is very large.

Third, more loans will increase the pressure of repayment in the future and reduce the pressure of down payment. The loan is long-term, but the down payment is short-term, whether by borrowing or other means. This is a direct way to increase short-term economic pressure, while long-term loans gradually reduce the pressure with the increase of income. Therefore, in the face of declining pressure, buyers should make more use of housing loans.

Fourth, of course, in the face of real estate loans, buyers should do what they can. Although the real estate loan is a rare preferential loan, it should follow the buyer's own repayment ability in the future. After all, the best is right, not necessarily the best.

For people engaged in industrial enterprises, on the one hand, there is bound to be a demand for enterprise funds, on the other hand, there will be a certain accumulation of industry resources and experience, and the income will naturally be much higher than the cost of housing loans, many of which can reach the annual income, and some industries can even reach it more than once. Depending on this condition, the more loans, the better.

How long does it take to lend money after the bank approves it?

Generally speaking, if it is not a large loan such as mortgage, after the borrower provides the loan application, the time from loan approval to loan issuance will not exceed 15 working days.

Credit loans, in particular, can generally be completed on the same day. If it is a car loan or mortgage loan, the loan will generally be completed within 15-20 working days.

If it is a mortgage, the lending time is not necessarily.

After the borrower submits a mortgage application, the bank collects the borrower's personal data, writes a loan application report according to the bank's credit application template, and reports it to the branch for approval after being approved by the branch president. This time will take about 1-3 days.

After the borrower's information reaches the branch, there are still two links to go: review and approval.

The review process takes a long time, usually several days. Because auditors need to check whether the loan information is wrong one by one, such as why the bad records on the credit report are generated, and whether the income situation and salary flow are correct.

If any information is missing or inconsistent, the borrower shall submit supplementary explanations.

The approval process is generally fast, which takes about 1-2 days.

It takes about 15 working days after the approval of the branch. After that, the bank needs to apply for mortgage registration, which takes about 7 days.

Finally, the bank needs to face the borrower face to face, which takes a day. After the face-to-face signing is passed, the bank will generally lend the loan funds to the third-party account within 7 days. When lending money, banks usually send text messages or call to remind them.

If the borrower applies for a provident fund loan, it will take longer to lend because it involves the approval process of the provident fund center. Provident fund loans generally take 2-3 months from approval to lending.

Generally speaking, when approving loans, bank loan approvers will put forward some additional requirements according to the actual situation of users, and banks will only lend money after users need to implement relevant conditions.

Before applying for a loan, the borrower can check whether there are overdue records in his personal credit report and whether the bank's running water meets the loan requirements within six months.

Just received: Xiao Mu data. Click Query and enter information in the applet, and you can find your own credit data, personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

Extended data:

How to eliminate the number of personal credit inquiries?

No one can delete the credit record, and it will be automatically deleted from the credit report only when the time is up. Among them, bad credit records need to be eliminated after 5 years of bad behavior termination; Query records only show the records of the last two years, that is, each query record is pushed back two years according to the query time, that is, the time when it was eliminated.

But it doesn't mean that the borrower can't apply for a loan before the inquiry record is completely eliminated. As long as it takes about 36 months to properly maintain the credit information, if there are no new inquiry records, no bad credit records and good personal repayment ability, most lending institutions will still recognize the qualifications of borrowers.

How long can the bank loan be granted?

How long the loan will be released after the approval of the bank loan depends on the regulations of the specific bank. Some users can lend money as soon as three days, but it may take a month if the bank's loan amount is not enough. If the user waits too long, he should contact the bank for inquiry. Different types of bank loans have different lending time. For example, the lending time of microfinance is shorter than that of mortgage.

After the approval of the bank, how many days will it take for the bank to lend money?

The following are the lending hours of banks:

Minsheng Bank: the fastest 10 working day.

Postal bank: 2 working days at the earliest.

China Construction Bank: 7 working days.

ICBC: One month later.

China Merchants Bank: 8 working days at the earliest.

Bank of China: 5 working days.

Agricultural Bank: the fastest 1 working day.

Everbright Bank: 5 working days.

China CITIC Bank: 5 working days.

Guangfa Bank: 5 working days.

Bank of Nanjing; 7 working days.

Bank of Beijing; 3 working days at the earliest.

Ping An Bank: 1-3 working days.

Bank of Ningbo: 5 working days.

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.

Extended data

1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month.

If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Make sure that your loan can be repaid on time no matter when, where or how.

4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.