diff --git a/components/agents/AgentPsdTemplateEditorDialog.tsx b/components/agents/AgentPsdTemplateEditorDialog.tsx
index 812a9d605..e4e22e7fa 100644
--- a/components/agents/AgentPsdTemplateEditorDialog.tsx
+++ b/components/agents/AgentPsdTemplateEditorDialog.tsx
@@ -579,6 +579,7 @@ function AssignedPsdLayerPreviewImage({
   width,
   quality,
   style,
+  onLoadComplete,
 }: {
   sourceUrl: string;
   alt: string;
@@ -586,6 +587,7 @@ function AssignedPsdLayerPreviewImage({
   width?: number;
   quality?: number;
   style?: CSSProperties;
+  onLoadComplete?: (sourceUrl: string) => void;
 }) {
   const fallbackUrls = useMemo(
     () => buildAssignedPsdLayerPreviewFallbackUrls(sourceUrl, { width, quality }),
@@ -631,13 +633,48 @@ function AssignedPsdLayerPreviewImage({
           current + 1 < fallbackUrls.length ? current + 1 : current
         )
       }
-      onLoad={() => setHasLoaded(true)}
+      onLoad={() => {
+        setHasLoaded(true);
+        onLoadComplete?.(sourceUrl);
+      }}
       src={src}
       style={style}
     />
   );
 }
 
+function PsdAssignedImageLoadingOverlay({
+  pendingCount,
+  zIndex,
+}: {
+  pendingCount: number;
+  zIndex: number;
+}) {
+  return (
+    <div
+      className="pointer-events-none absolute inset-0 overflow-hidden rounded-[20px] border border-emerald-300/15 bg-[#e9edf2] shadow-[inset_0_0_0_1px_rgba(255,255,255,0.75)]"
+      style={{ zIndex }}
+    >
+      <div className="absolute inset-0 bg-[radial-gradient(circle_at_22%_18%,rgba(255,255,255,0.95),transparent_35%),linear-gradient(135deg,#eef2f6_0%,#dce4ec_45%,#f5f7fa_100%)]" />
+      <div className="psd-assigned-preview-shimmer absolute inset-y-0 w-1/2 bg-[linear-gradient(105deg,transparent_0%,rgba(255,255,255,0.68)_48%,transparent_100%)]" />
+      <div className="absolute inset-0 opacity-45 [background-image:linear-gradient(rgba(15,23,42,0.045)_1px,transparent_1px),linear-gradient(90deg,rgba(15,23,42,0.04)_1px,transparent_1px)] [background-size:44px_44px]" />
+      <div className="absolute inset-0 flex flex-col items-center justify-center px-10 text-center">
+        <div className="mb-4 flex h-14 w-14 items-center justify-center rounded-2xl border border-white/70 bg-white/60 shadow-[0_18px_50px_rgba(15,23,42,0.12)] backdrop-blur">
+          <Loader2 className="h-7 w-7 animate-spin text-emerald-500" />
+        </div>
+        <div className="rounded-full border border-emerald-500/15 bg-white/70 px-4 py-1.5 font-semibold text-[13px] text-slate-700 shadow-sm backdrop-blur">
+          正在套入商品图
+        </div>
+        <div className="mt-3 max-w-[360px] text-[12px] text-slate-500 leading-relaxed">
+          {pendingCount > 1
+            ? `正在加载 ${pendingCount} 个图片图层，完成后自动显示模板预览。`
+            : "原图加载中，完成后自动显示模板预览。"}
+        </div>
+      </div>
+    </div>
+  );
+}
+
 function getScrollAreaViewportElement(root: HTMLDivElement | null) {
   return (
     (root?.querySelector(
@@ -1851,6 +1888,9 @@ export function AgentPsdTemplateEditorDialog({
   const [imageSizes, setImageSizes] = useState<
     Record<string, AgentPsdImageSize>
   >({});
+  const [loadedAssignedPreviewUrls, setLoadedAssignedPreviewUrls] = useState<
+    Record<string, string>
+  >({});
   const [layerOrderIds, setLayerOrderIds] = useState<string[]>([]);
   const [layerPositionOffsets, setLayerPositionOffsets] = useState<
     Record<string, AgentPsdLayerPositionOffset>
@@ -2255,6 +2295,33 @@ export function AgentPsdTemplateEditorDialog({
 
     return nextAssignments;
   }, [editableImageLayers, imageAssignments, selectedTemplate, sourceImageUrl]);
+  const pendingAssignedPreviewLayerIds = useMemo(
+    () =>
+      orderedVisiblePreviewLayers
+        .filter((layer): layer is AgentPsdTemplateImageLayerSlot =>
+          isAgentPsdImageLayerSlot(layer)
+        )
+        .map((layer) => {
+          const assignedUrl = String(
+            effectiveImageAssignments[layer.id] || ""
+          ).trim();
+          if (!assignedUrl) {
+            return "";
+          }
+
+          return loadedAssignedPreviewUrls[layer.id] === assignedUrl
+            ? ""
+            : layer.id;
+        })
+        .filter(Boolean),
+    [
+      effectiveImageAssignments,
+      loadedAssignedPreviewUrls,
+      orderedVisiblePreviewLayers,
+    ]
+  );
+  const assignedPreviewLoadingOverlayZIndex =
+    (orderedPreviewLayers.length + 12) * PSD_LAYER_Z_INDEX_STEP;
 
   const effectiveTextAssignments = useMemo(() => {
     const nextAssignments: Record<string, string> = {};
@@ -2872,6 +2939,7 @@ export function AgentPsdTemplateEditorDialog({
     setImageAssignments({});
     setImagePlacements({});
     setImageSizes({});
+    setLoadedAssignedPreviewUrls({});
     setTextAssignments({});
     setTextColorAssignments({});
     setTextPositionOffsets({});
@@ -2915,6 +2983,7 @@ export function AgentPsdTemplateEditorDialog({
     setImageAssignments(initialState.imageAssignments);
     setImagePlacements(initialState.imagePlacements);
     setLayerOrderIds(initialState.layerOrderIds);
+    setLoadedAssignedPreviewUrls({});
     setLayerPositionOffsets(initialState.layerPositionOffsets);
     setTextAssignments(initialState.textAssignments);
     setTextColorAssignments(initialState.textColorAssignments);
@@ -3966,6 +4035,18 @@ export function AgentPsdTemplateEditorDialog({
         .psd-layer-visibility-scroll::-webkit-scrollbar-thumb:hover {
           background: rgba(16, 185, 129, 0.75);
         }
+        .psd-assigned-preview-shimmer {
+          transform: translateX(-110%);
+          animation: psd-assigned-preview-shimmer 1.55s ease-in-out infinite;
+        }
+        @keyframes psd-assigned-preview-shimmer {
+          0% {
+            transform: translateX(-110%);
+          }
+          100% {
+            transform: translateX(210%);
+          }
+        }
       `,
         }}
       />
@@ -4398,6 +4479,22 @@ export function AgentPsdTemplateEditorDialog({
                                   {assignedUrl ? (
                                     <AssignedPsdLayerPreviewImage
                                       alt={layer.layerName}
+                                      onLoadComplete={(loadedUrl) => {
+                                        setLoadedAssignedPreviewUrls(
+                                          (current) => {
+                                            if (
+                                              current[layer.id] === loadedUrl
+                                            ) {
+                                              return current;
+                                            }
+
+                                            return {
+                                              ...current,
+                                              [layer.id]: loadedUrl,
+                                            };
+                                          }
+                                        );
+                                      }}
                                       quality={74}
                                       sourceUrl={layerImageUrl}
                                       style={
@@ -4911,6 +5008,13 @@ export function AgentPsdTemplateEditorDialog({
                             );
                           })}
                         </div>
+
+                        {pendingAssignedPreviewLayerIds.length > 0 ? (
+                          <PsdAssignedImageLoadingOverlay
+                            pendingCount={pendingAssignedPreviewLayerIds.length}
+                            zIndex={assignedPreviewLoadingOverlayZIndex}
+                          />
+                        ) : null}
                       </div>
                     </div>
                   )