How long can a bank loan usually be approved?

First, how long does it usually take for a bank loan to be approved?

The time for bank approval varies according to the loan type. The following are five common approval times for bank loans: housing mortgage loans: the approval time is 15 working days to 1 month. Car loan: the approval time is about 15 working days. Personal consumption loan: online approval time 1-3 working days, offline approval time 1-2 weeks. Credit loan: the approval time is 7- 10 working days. Provident fund loan: the approval time is about 7 working days. How long does the approval process take? This is a problem that many people are very concerned about. It doesn't take long to apply for a mortgage, because the bank's approval and review are very simple, unlike ordinary loans, so the whole process takes less time than ordinary loans. Generally speaking, the loan can be approved in a week or so, not very long. (Operating environment: 2.0.0.208, version number of OS2.0 of Huawei mobile phone HarmonyOS system): 1. The bank's approval speed is relatively fast, and the results can be produced in a week or so. But when handling bank loans, you should know that different banks need to go through other processes and approval processes besides approval, so it takes more time. At this time, it takes about 15 from the beginning of application to loan. Some banks lend very slowly. What is the reason? In fact, this is not the reason of the bank. More importantly, by the end of the year or at other times, the bank's funds may be tight and the lending speed will be much slower. So it is best not to buy a house at the end of the year, but at the beginning of the year. 2. Generally, it takes 65,438+0 weeks to apply for a loan and 65,438+05 days to apply for a loan. However, there may be a banking situation, which may be delayed for 2-3 months. In order to avoid this situation, we must avoid bank hours. Telephone consultation: Banks and other lending institutions can call their customer service numbers. There will be someone in the organization to provide you with consulting services. You only need to provide your identity and loan information, and they will help you check and tell you the progress of loan approval. Official website Inquiry: Generally, banks or other lending institutions have their own official website, and you can inquire about the loan approval progress in official website. You can enter your account and find the loan progress query in the function bar. You can click Query to know the progress of your loan approval. 3. Friends who have enough time to check at the counter can also bring their ID cards and loan bank cards to the bank counter or the lobby of other lending institutions, and ask the staff to help you check the progress of loan approval. This is also a very convenient method. Contact the account manager: When applying for a loan, the account manager will generally negotiate. If the applicant has any questions, he can also consult the account manager directly. So you can directly find the account manager who helped you with the loan and ask him to help you inquire. In this way, you can quickly understand your own loan approval progress, which is also relatively simple and easy. 4. Apply for inquiry Now many banks and some lending institutions have their own apps, and there will also be a column on loan progress inquiry in the app. Click Query directly to check the progress of loan approval through APP. First of all, banks are different from other financial institutions in terms of bank loans. Different from other unofficial financial institutions, they belong to national official formal financial institutions. Formal official financial institutions certainly have unusual requirements for loans. After all, there are too many people in the world who need loans. Not everyone can get a loan, there are thresholds and conditions. 5. The conditions and thresholds of bank loans vary greatly. As we all know, bank loans can be divided into mortgage loans. This condition is very high, because it is a kind of credit loan. The bank will conduct a comprehensive review of your assets, income and credit investigation, and meet the relevant conditions after investigation; Or find a guarantor who needs better assets, income and credit investigation. At this time, the bank will appropriately lower the conditions and threshold of your loan. Mortgage means that you need to mortgage your property to the bank to get a loan.

Second, how long does it usually take for a bank loan to be approved? Will the bank pay a return visit to investigate?

Generally speaking, I will visit you in a week or so, and it will be different in different regions. After the telephone call back is passed, it can be approved in about 2 weeks, subject to the bank lending time.

Different banks have different regulations and approval processes, so the lending speed will be different. The specific circumstances require the lender to implement in accordance with the relevant regulations of the bank.

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.

3. Will China Merchants Bank's mortgage approval call the company for a return visit? How often do you usually meet? ...

Hello!

Honey, how many days did it take you to call back?

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