How long does the loan review usually take?

How long does it take to approve the loan? It's time to approve the three major loans!

For many ordinary people, mortgage, car loan and consumer loan are sometimes unavoidable. When you apply for a loan, you are often particularly concerned about how long it will take for the loan to be approved. After all, the long approval time is likely to affect the normal use of funds. So, how long does it take to approve the loan? Today, I will introduce the details to you.

In order to let everyone have a clearer understanding of the loan approval time, we will talk about the approval time of mortgage, car loan and consumer loan respectively.

mortgage

It takes a long time to approve the mortgage. Generally speaking, the approval time of mortgage is about 1 month. If there are some special circumstances, the loan approval time is likely to be extended to 2-3 months.

Common situations that delay the loan approval time are:

(1) The state has strengthened its control over real estate, and banks have correspondingly tightened the loan approval time;

(2) As it happens, the bank's loan quota is relatively tight, and the loan approval speed is forced to slow down;

(3) The timing of people applying for loans is not very good, and they catch up with big holidays such as National Day and Spring Festival.

auto loan

Generally speaking, the approval time for auto loans will be relatively short, about 15 days. If you choose an auto financing company, the loan approval time may be shorter.

consumer loans

Consumer loans can be divided into online consumer loans and offline consumer loans.

Online consumer loan means that all the loan procedures are handled completely through the Internet. At present, whether banks or consumer finance companies, the approval time of online consumer loans is generally within 1 day, and some financial institutions can reach a few minutes at the earliest.

The approval time for offline consumer loans will be longer, but it can basically be completed within 1-2 weeks.

How long does it take for the bank to approve the loan to buy a house?

After applying for a mortgage, some netizens said that they had not made a loan within 7 months. Some netizens said that the loan they applied for last Wednesday has already been released next Tuesday, and all the processes have been reviewed in just five working days. So why is bank lending sometimes fast and sometimes slow? Generally speaking, how long does it take to get approval after applying for a mortgage? The following small series will give you a brief explanation on this issue. After applying for a mortgage, the approval process will generally take 15 to 20 days, and the mortgage will generally be approved after 15 to 20 days. If your mortgage has not been approved for a long time, for example, some netizens say that they have not got a housing loan within 7 months, then it is likely that their qualifications are insufficient. Of course, this also needs the bank to remind. When the bank feels that you are not qualified, it should also send you text messages in various ways. At this time, you should stop waiting and fill in your information immediately. Regarding the application and approval process of housing loans, I would like to give you a brief supplement here. When we look at the house, we want to buy it through a bank loan. First, we need to submit an application for housing loan to the bank. After submission, the bank will review our loan application, sign a loan contract with us after successful review, and finally the bank will give us a loan. In general, the bank will review our loan application within 15~20 working days. In order to further understand the progress of our application submission, we can also contact the bank at any time. Finally, the speed of bank lending is also closely related to the adequacy of bank funds. If the bank is short of funds, the bank will lend more slowly. This time also needs us to wait.

I would like to ask how long it will take for the bank loan to be approved.

Hello, I'm glad to answer your question. First of all, if you have applied for a loan, but it has not been approved, please go to the bank in time to check whether there is a shortage of parts or your qualifications are wrong. If the loan has been approved, it may be that the bank loan balance is insufficient this month. Arrange to complete the loan approval within next month 10 working days. Of course, the approval time is different for different loan methods. For example, it takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage. So it is more reliable to consult the approval time or when to apply for a loan. That's about it.

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I don't know how you handle it at present. Generally speaking, if you go to the relevant bank, the time is faster, but the length of time for online bank loan approval varies according to the materials prepared by the applicant and my economic situation. Under normal circumstances, if you apply for an ordinary online banking loan, you can repay it within one month at the longest. If you are in a hurry, you can call the bank appropriately to urge it. The best way is to find a familiar person in the bank so that you can pay in a few days.

To some extent, different loan methods also mean different audit methods, so the audit time still needs to be consulted clearly to avoid delaying the loan time. Meanwhile, please be patient. I hope I can help you!