1. How long can the bank make a small secured loan for civil servants and teachers?

this is subject to review. Generally, the loan can be obtained within one week after passing the review.

2. How to go to the bank? How long does it usually take to lend money

about a week?

Application conditions:

1. Chinese mainland residents who have reached the age of 18;

2. Having a stable address and place of work or business operation;

3. Have a stable source of income;

4. There is no bad credit record, and the loan can't be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing procedures:

1. Submit an application to a local bank or lending institution;

2. All kinds of materials needed for loan preparation;

3. Face-to-face signing of banks or lending institutions;

4. The bank reviews the qualifications of the lender;

5. The loan was approved and granted successfully.

Third, banks can usually apply in a few days.

If they apply through online channels, they can usually get loan funds on the day of loan application. Users apply for banks through offline channels. Because offline loans are manually reviewed, the review speed is slower than that of the system. The results of the review are usually about one week, and the lending is after the results. The advantage of offline application is that users can submit additional financial proof, which can help users increase the loan amount and improve the chances of passing the audit. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Bank loan interest rates are all calculated by computer based on personal credit information, income, work and other information. Under other circumstances, we can only keep good credit information and try to repay credit cards on time to avoid overdue situations. Loan repayment method: equal principal and interest repayment: that is, the sum of the principal and interest of the loan is repaid by equal monthly repayment. Housing provident fund loans and commercial personal housing loans of most banks have adopted this method. This way, the monthly repayment amount is the same; Matching principal repayment: that is, the borrower repays the loan in each installment (month) evenly throughout the repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment day. In this way, the monthly repayment amount decreases month by month; Pay interest monthly and repay the principal at maturity: that is, the borrower will repay the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan will bear interest on a daily basis and the interest will be repaid on a monthly basis; Repay part of the loan in advance: the borrower can repay part of the loan in advance when applying to the bank, which is generally 1, yuan or an integer multiple of 1, yuan. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period will change, but the repayment method will not change, and the new repayment period shall not exceed the original loan period to repay all the loans in advance: that is, the borrower can repay all the loan in advance when applying to the bank, and the loan bank will terminate the borrower's loan after repayment. Pay back as you borrow: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can settle the money in one lump sum at any time without penalty. At present, the competition among banks is very fierce. In order to gain more market share, each bank will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, when making loans, fund demanders should "shop around" and choose low-interest banks to make loans.