Solution: What happened when the bank loan was released and recovered?

In modern society, not many people can buy a house in full. Most ordinary people want to buy a house, and the high probability is to rely on loans. Some people applied for a mortgage, although the mortgage was approved, but the bank took it back after lending. Why? What happened to the bank loan?

What happened to the bank loan?

If the loan is recovered as soon as it is released, it is largely due to problems in the banking system. Loans are generally issued after systematic review. Lending institutions will require manual verification when granting loans. During the manual verification, it was found that the applicant did not meet the qualification for loan approval, the credit rating was poor, and the debt ratio was too high. , did not meet the requirements of lending. During the manual verification period, the bank will recover the loans issued.

However, such mistakes are rare. Under normal circumstances, loans will not be recovered after they are issued.

Another situation is that after lending, the bank found some bad records on the lender's personal credit information in the process of post-loan management. In order to control risks, banks require users to settle all outstanding mortgages at one time, which is called recovering mortgage funds.

This situation is generally because the lender borrowed a consumer loan within 3 months after the loan, or the mortgage was overdue at the time of repayment, or there may be many large consumer bills on the credit card. Under these circumstances, the bank will suspect that the lender does not have enough repayment ability, or even borrow money to repay the mortgage, so in order to avoid further risks, it is required to recover the mortgage.

Generally speaking, after applying for a mortgage successfully, everyone should pay attention not to apply for other loans within three months, not to use credit cards illegally or increase a lot of large consumer bills to avoid the problem that the mortgage has been loaned but recovered by the bank.

The above is the answer to the related questions about "bank loan issuance and recovery", hoping to help everyone!