How many days can the loan be released?

First of all, answer directly.

Under normal circumstances, the lending time of banks is not fixed. The types of loans applied by borrowers are different, the approval process is different, and the lending time is different.

Second, the specific analysis

1, consumer loan

If the borrower applies for a consumer loan based on personal credit, generally speaking, it can be completed within 7 working days from loan approval to loan release.

If it is a bank's online micro-loan, basically it will be submitted for approval on the same day, and the loan can be completed on the same day. If the applied loan amount is high, the bank needs to inquire more information, and the loan can be completed in three days.

2. Mortgage loan

Mortgage loans generally require borrowers to provide collateral. When the bank approves the loan, it needs to send the collateral to the evaluation company for value evaluation, which takes about 5 days.

Therefore, mortgage loans need more time than consumer loans. Generally, it takes about 7- 15 days from the borrower's loan application to the loan approval.

If the collateral submitted by the borrower is mainly shops and office buildings, the evaluation time will be longer. Because the evaluation value of such collateral needs to be combined with many factors such as location and time.

3. Mortgage loan

If the borrower applies for a mortgage, then the approval time will take more time.

Official website, a big bank, shows that it usually takes 7- 15 working days from submitting a loan application to giving the approval result. After that, a face-to-face signing is required, and the loan can only be made after the face-to-face signing is completed. Generally, it takes 1-3 months to approve a mortgage loan.

When people use the central bank's credit records, they will leave traces of inquiry, which is not good for lending friends, and most online loans are not credit-seeking, so they can't find specific online loan information when they are credit-seeking, but now they can learn their personal data through the data of "Xiaoqi Credit Information", and at the same time, they can learn more information about overdue online loans, application records, untrustworthy information, online loan blacklists and so on without leaving traces.

Third, expand information.

How many people does the bank lend to a day?

How many people a bank lends a day mainly depends on how much money it can lend that day.

On the same day, the bank will not lend to several people according to the number of people, but according to the loan amount.

The bank will split the loan amount that can be issued on the same day. Initially, it will issue loans one by one according to the time when the mortgage is approved. When the final quota is insufficient, the microfinance quota will be given priority, and the remaining loan quota generally needs to wait.

For example, the bank still had a loan amount of 6,543.8+0,000 yuan in that month, and A Shen applied for 800,000 yuan and B applied for 6,543.8+0.2 million yuan. The average bank will choose to give a mortgage first, and B will move to next month.

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.

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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 a bank loan be released?

Generally speaking, different banks have different regulations and different approval processes, so the speed of lending will be different. The specific situation requires lenders to implement according to relevant bank regulations. Under normal circumstances, it usually takes a borrower half a month to apply for a loan when the relevant loan conditions are met and the procedures are complete. However, because it is more troublesome to handle loans, such as mortgages, and the property needs to be mortgaged to the bank, it is normal to handle it in one month. Mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and the purchased real estate enterprises provide regular guarantees. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.

How long does the loan take?

It takes about 3-7 working days to review the general loan application materials. After the bank agrees to sell the loan, it will take about 15 working days to handle the transfer and mortgage procedures, so the final loan may take more than one month. However, the time from loan approval to lending will be different for different banks and different periods.

Housing loan approval lending process:

1. The loan applicant shall provide the payment application form and loan materials.

You need to prepare loan materials and loan application forms before applying for a mortgage. If you don't know what loan materials need to be prepared, you can consult the bank when you go to the bank to get the loan application form. Usually, the loan materials need proof of marital status, ID card, household registration book, income certificate, bank account and proof of spouse's identity. (It is best to consult by yourself, subject to the bank's reply)

2. Account Manager Input System

After the loan applicant provides the loan application form and loan materials to the bank account manager, the bank account manager needs to make a preliminary review of your materials to see if the materials you have prepared are complete. If they are not complete, they will ask you to be ready before applying.

Then, they will determine the repayment method and loan interest rate with you, and sign a power of attorney with you. Then, they will know your credit status through your personal credit report. Usually, if the personal credit information is seriously bad, they will directly refuse your loan, while those with slight overdue records will decide whether to give you access according to the loan situation of each bank.

After the account manager has passed the preliminary examination, they need to input your information into the system, scan and upload it. It may take a long time for them to enter your information into the system, because each account manager can't have only one customer, and each account manager may have to face dozens of customers at the same time.