In life, more and more friends apply for credit loans. It is of great help to solve some unexpected events in life. So under normal circumstances, how long does it take to apply for a credit loan? For friends who need money urgently, the speed of lending is particularly important. As far as you know about bank credit loans, you can know a thing or two from the process of applying for credit loans.

First of all, the borrower needs to submit a series of materials to the bank except ID card and loan application approval form; Proof of address; Proof of occupation and income; And other information required by major banks, according to the specific provisions of each bank.

Secondly, the bank will review the application materials submitted by the borrower, and the account manager will conduct personal credit inquiry in the background. There are many items to be audited, including the borrower's economic strength, assets, personal credit status and monthly income. This process takes about ten days.

Finally, if approved, the bank will sign a loan contract with the borrower. After signing the contract, the borrower can wait for the loan, which takes about five days.

As can be seen from the above, it usually takes 20 days for a bank loan. If the major banks are different, it may be faster, about ten days. Moreover, banks are more rigorous, the process will be more complicated, and there will be more materials to be handed in.

How long does it usually take for banks to lend money?

Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

Generally speaking, bank loans last for 7- 15 days, provided that customers have good qualifications and high-quality customers can naturally come down faster (teachers, active military officers, doctors, etc.). Although the approval time of many banks is similar, if we can make preparations in advance, we can often shorten the loan approval time. The bank loan approval process is as follows:

First, the lender prepares the materials needed for the application, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to provide a driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

1. Loans to banks are generally divided into the following steps:

1) Basic information submitted by the customer, including work unit and contact telephone number.

2) The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.

3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.

2. In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

1) has something to do with the bank. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

2) Have a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

3) Let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

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.

Just received: Xiao Mu data. Click Query and enter information in the applet, and you can find your own credit data, personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

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 in 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 does it usually take for a credit loan to be released?

The fastest credit loan can be issued on the same day. Sometimes, because the number of people applying for loans is relatively concentrated, it may take a few more days, usually not more than three days.

Conditions for applying for a credit loan:

First, if the credit rating of corporate customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of commercial banks;

Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;

3. The enterprise promises not to set mortgage (pledge) or provide external guarantee for others with its effective operating assets, or obtain the consent of the lending bank before handling mortgage (pledge) and providing external guarantee;

4. The operation and management are standardized, and there are no bad credit records such as debt evasion and default on interest.

: materials required for credit loan

1, first of all, you must have a valid identity document, provide a household registration book, and have full capacity for civil conduct;

2. Have a stable job and a good income. If you receive your salary by bank transfer, you need to provide proof of the running of your salary card within six months from the date of loan;

3. Unmarried persons submit unmarried certificates, and married persons submit information about their spouses and family members;

4. Have a fixed account in the bank applying for the loan.

These four items are the most basic information. Because everyone applies for different institutions, in addition to the above basic conditions, each financial institution will also meet some relatively specific terms of its own institution, which depends on the conditions of different institutions, so please ask friends with loan needs to know from the specific institution you choose, fill out the prescribed form, and submit it to the lending institution you choose when the above conditions are met. The next time is waiting.

The most fundamental difference between credit loan and mortgage loan is that the former is a lending behavior based on your social credit and financial situation. The latter is a lending behavior with your inherent assets as collateral. Credit loan banks face the greatest risks. Generally, credit loans are granted by well-known companies and only by people with certain status and income.

How many days can the credit loan come down?

Question 1: How many days can the credit loan be repaid? If the information is complete, it can be paid within 3-5 working days.

Banks handle almost all credit loans, mainly based on personal qualifications. The better the qualification, the easier it is to approve.

Conditions for applying for a credit loan:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

Question 2: How long does it take to apply for a personal credit loan? Generally, it takes 1-5 working days to lend money.

Unsecured credit loan information:

(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information;

(2) Provide stable address, housing lease contract, utilities, property management and other related information;

(3) provide a stable source of income, bank running list, labor contract, etc.

Question 3: How long does it take to approve the credit consumption loan? If it is a credit consumption loan, the loan approval time is very short, generally 1-2 working days.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

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

2. Prepare various materials required for the loan;

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

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 4: I have a credit card. How many days can I get a loan? If it is China Merchants Bank's credit card E, I will apply for E-loan before 16:00, and the money will usually arrive on the same day. /kloc-I will apply for an e-loan after 0/6: 00, and the money will usually arrive at around 8: 00 the next morning.

Question 5: How long does it take for rural credit cooperatives to issue loans? The lending time of rural credit cooperatives' loans is related to factors such as "their own credit line, whether the borrower's loan procedures are complete and the purpose of the loan".

Generally speaking, if the credit line of rural credit cooperatives is loose and the borrower's loan procedures are complete, it will take about seven working days to lend money;

However, if the credit line of rural credit cooperatives is tight, the lending time will be delayed, and it is normal to get the loan funds after 1-3 months.

Question 6: How many days can the credit loan be repaid? The lending time of each company is different. Some companies can lend money in two or three days. The basic information is as follows

1. Submit original materials. Review 3. Sign a loan contract. Then borrow money!

Preparation materials required by customers

：

1. New version of the second-generation ID card (original)

2. Household registration

3 credit report

4. The bank statement stamped with the official seal of the bank for the last 6 consecutive months;

5. Work certificate; (Company seal certificate \ labor contract \ work card \ payroll, provide one of them)

6. Proof of address (real estate license or rental contract) (one of the bills of water and electricity charges in the last 2 months or (receipt of property management fee);

7. Other asset certificates that can increase the loan amount.

8. Marriage certificate

Friendly reminder: 1. I or my spouse have assets (real estate, vehicles, securities, etc.). ) in their name, and the loan amount can be increased.

Question 7: How long can the personal credit loan be repaid? General bank personal credit loans can be repaid within half a month.

Question 8: How long does it take for ICBC's online credit loan to be submitted for approval? It takes about a month.

I hope I can help you. If your problem is solved, please adopt it. Thank you.

Question 9: How long does it take for a personal credit loan to be released in 3-5 days? You can apply at the local bank.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

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

2. Prepare various materials required for the loan;

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

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 10: How soon can I get the personal credit loan from ICBC? 1. If it is a credit loan application submitted now this year, it may take a little longer than usual.

2. Generally, it takes about 4-6 days to inquire, collect data, investigate and report the loan approval application at the branch level (excluding weekends), and it takes 2-3 days to verify the data and approve the loan at the branch level. Generally speaking, the loan can be repaid in about 10 days.

This year, the national credit policy is strictly controlled, and banks are gradually reducing the scale of personal credit loans. If your credit loan has no result after 15 days, you should call the account manager to ask about the loan approval.

How long can the credit union loan be repaid?

Credit cooperatives need three to five working days to issue loans.

After submitting the loan application of the credit union, the system will release the loan according to the loan application. Under normal circumstances, the more loans, the longer the loan time. Generally, the card will be released within three working days, not more than five working days at the latest.