How long does it take to approve the house loan? Where can I know if I can approve it?

1. How long does it take to approve the housing loan? Where can I know if I can approve it?

Under normal circumstances, if complete materials are provided, it usually takes 7- 15 working days.

If it is approved, the bank will inform you. Where to apply for a loan, and which outlet you must go to to confirm the approval details.

2. How long does it take for the loan qualification review?

First, it takes about 15 days from application to loan. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. In a word, it takes some time for bank loans to be approved, which is not so good. Everyone needs to wait patiently. Second, the approval process

1. The borrower submits the loan application and related materials to the bank, such as ID card, household registration book, income certificate, marriage certificate, etc.

2. The bank will conduct a pre-loan investigation on the relevant information of the customer to determine the credit line, term, interest and guarantee method of the bank. , and then the account manager can write the investigation report;

3. After the account manager writes the investigation report, he submits all the customer loan information to the risk control department for review, and the risk control department conducts risk assessment and final review of the loan, or proposes amendments to inappropriate places;

4. After examination, the loan needs to be submitted to the president of the bank for approval, and the loan contract can only be signed after approval;

5. Finally, the loan review. The loan audit mainly depends on whether there are irregularities in the previous audit process. If not, the loan can be issued smoothly.

3. How long does it take for the bank to approve the loan? Just look at the approval process.

If you apply for a loan from China Merchants Bank, it will take about 5 working days to submit the application, because it involves evaluation and other links, and each customer will be different. The specific lending time can be determined with the handling outlets.

Lightning loans will be faster. After submitting the application, you will receive a text message "Dear Sir/Madam, if you need manual telephone verification! We need to verify the application information of "lightning loan" with you, and we will contact you by phone later. Please keep the phone open. If the SMS is not received, the loan will be released in 5- 10 minutes.

4. How long does it take for the bank to approve the loan? Just look at the approval process.

The bank's risk control mechanism is relatively perfect, so the requirements for approving loans are relatively strict. How long does it take for the bank to approve the loan? Knowing how the bank's loan approval process is, you can probably know how long it will take for the bank to approve the loan. Here is a brief introduction to the process and time of bank loan approval.

Bank loan process 1. The borrower submits the loan application and related materials to the bank, such as ID card, household registration book, income certificate, marriage certificate, etc. 2. The bank will conduct a pre-loan investigation on the relevant information of the customer to determine the credit line, term, interest and guarantee method of the bank. , and then the account manager can write the investigation report; 3. After the account manager writes the investigation report, he submits all the customer loan information to the risk control department for review, and the risk control department conducts risk assessment and final review of the loan, or proposes amendments to inappropriate places; 4. After examination, the loan needs to be submitted to the president of the bank for approval, and the loan contract can only be signed after approval; 5. Finally, the loan review. The loan audit mainly depends on whether there are irregularities in the previous audit process. If not, the loan can be issued smoothly. How long does it take for the bank to approve the loan? It takes about 15 days from application to loan. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. In a word, it takes some time for bank loans to be approved, which is not so good. Everyone needs to wait patiently. The above is an introduction about how long it takes for banks to approve loans. I hope it will help you.