The loan from China Bank has been approved. How long does it take to lend money?

Once a loan from a bank in China is approved, it will usually be released within one month. If the user has applied for a loan for a long time, the user can call the bank at this time, and the bank will usually tell the user the progress. After the bank loan, the user must repay the loan in time, and there must be no overdue repayment, otherwise a fine will be imposed. The more times a fine is imposed, the greater the fine amount.

If the repayment is overdue, the bank will upload the overdue record to the central bank's personal credit information system. When personal credit is poor, it will affect the handling of various loans such as mortgage and car loan. If the user fails to repay the loan, the user's credit record will be recorded in the user's credit file and will not be erased.

Under normal circumstances, after the borrower submits the loan application, the time from approval to lending will not exceed 15 working days. Credit loans can generally be released on the same day, and car loans and mortgage loans take 15-20 working days. However, the lending time of mortgage is uncertain. After submitting the mortgage application, the bank will collect the borrower's personal data and write a loan application report according to the bank's credit application template. After the report is approved by the branch president, it usually takes 1-3 days to submit it to the branch for approval.

After the information arrives at the branch, it needs to go through two stages: examination and approval. The audit process takes a long time, usually several days, because the auditors need to check the accuracy of loan information one by one, such as the reasons for bad records in the credit report, whether the income situation matches the salary flow, and so on. If any information is missing or inconsistent, the borrower needs to add explanations. The approval process is relatively fast, and it takes about 1-2 days. It takes about 15 working days after the approval of the branch is completed.

Subsequently, the bank also needs to apply for mortgage registration, which usually takes about 7 days. Finally, it usually takes a day for the bank to have a face-to-face interview with the borrower. After the face-to-face signing is passed, the bank will generally lend the loan funds to the third-party account within 7 days. Banks usually remind borrowers by SMS or telephone when lending money. If the borrower applies for a provident fund loan, it will take longer, usually 2-3 months, because it involves the approval process of the provident fund center.

Generally speaking, the bank loan approver will put forward additional requirements according to the actual situation of the borrower, and the bank will only lend money after the borrower meets the relevant conditions.

The loan from China Bank is under approval. Can you make the next payment?

The loan from China Bank has been under examination and approval, which may be unsuccessful or successful.

If a person has a credit problem, it will lead to the failure of the audit and the inability to lend; If it is a system failure of the Bank of China or a delay in the audit process, the business volume during holidays and peak seasons is large or the risk control is strict, and it is not a personal credit problem, the payment will be made normally.