How do I know that the bank loan has been approved?

How to confirm that the loan has been approved before transfer

1: The bank’s loan approval letter. For every loan, there is a bank approval letter. As long as there is a loan approval Once you get the letter, you can be sure that the loan has been approved. There are paper and electronic versions of the loan approval letter. Before transferring the property, the owner can ask to see the loan approval letter.

2: Go directly to the institution that handles the loan to ask for confirmation.

Special reminder: The loan approval letter is just the bank’s confirmation that it can grant you a loan, but the loan cannot be granted until the buyer hands over his property to the bank for mortgage. Therefore, as a seller, you must supervise and remind the buyer before After getting the property, go to the bank to go through the mortgage procedures as soon as possible, otherwise it will affect the loan payment.

Promotion information:

If a home buyer takes out a loan to purchase a second-hand house, they usually need to take out a loan first and then go through the transfer procedures, so both buyers and sellers are very concerned about whether the loan is approved. There are three ways to check whether the loan has been approved before transfer: check the bank's loan approval letter, call the bank's loan customer service phone number to check, or check the loan progress via mobile phone. Each mobile phone check method is different. You can contact the bank's customer service or loan manager for specific methods, as follows For specific situations:

1. See the bank’s approval letter. Every loan from the bank will have an approval letter. If we can see the bank's loan approval letter, it means that the loan has been approved;

2. Telephone inquiry. We can directly call the bank’s customer service hotline to check whether the loan has been approved;

3. Mobile banking query: The borrower can log in to the lending bank’s mobile banking app, and then find his current loan in the loan column Apply for a loan and check the loan status.

4. First of all, after the home buyer determines the loan bank, he will prepare the loan information and formally submit a loan application to the bank. He needs to fill in the second-hand house personal loan application form and submit the materials to the staff after completing the form. Bank staff will conduct a preliminary assessment of the materials provided by the borrower and provide an approximate loan amount and term based on the assessment results;

How to check whether my loan has been approved

Go to the local The People's Bank of China will know where the lending bank is by checking a person's credit report.

The personal credit report records personal credit information, which mainly includes basic personal information, credit information (whether there is a bank loan, whether there is an overdue credit card overdraft record, etc.), non-bank information (water, electricity, etc.) , payment information for gas and other public utilities, tax arrears, civil judgments, etc.).

Notes on personal credit reporting:

Article 1: Credit cards and loans must not be overdue.

Three consecutive late payments on credit cards (or six times in two years), overdrafts, or failure to repay mortgage loans on time will leave a record in your personal credit report and affect your mortgage application. . If you use a credit card, you must remember to repay it on time. If you are unable to repay it in full, you must choose installments or pay the minimum repayment amount.

Article 2: Never overdue or default on your mortgage or car loan.

If you have had a mortgage or car loan before, remember to repay it on time, otherwise the default of the old loan will definitely affect your subsequent application for other loans.

Article 3: Always pay attention to loan interest rates to avoid overdue interest arrears.

If the loan interest rate increases and the interest increases, but the "monthly payment" is still paid according to the original amount, overdue interest will occur.

Article 4: Try to avoid activating your credit card and not using it.

Nowadays, many people have multiple credit cards, or they have applied for some uncommon credit cards because friends at the bank asked for help to boost their performance. After activation and then not using them, they have become "zombie credit cards". These credit cards Although annual fees will be incurred if not used, failure to pay will result in a negative credit record. But many people don’t understand this before applying for it, so you must be cautious when applying for a credit card.

Article 5: Be cautious in providing guarantees to third parties.

As for guaranteeing for others, you must be cautious and cautious. Don’t guarantee for others easily. If the other party has no money, you will need to repay the account. If you have no money, then It will become a stain on your credit.

Article 6: Remember to pay water, electricity and gas bills on time.

Nowadays, these fees are paid online, so once it is overdue, it will leave a bad record on the personal credit report. Everyone should make regular payments based on their usual use of water, electricity, gas, etc., and it is best to ensure that there is a balance in the account.

Article 7: Student loans must be repaid in time.

It is true that some people relied on student loans to complete their studies due to family difficulties. No matter why you were unable to pay your student loan on time for whatever reason, once you are able, please put paying off your student loan as your first priority. After all, it is legal and moral to default on your student loan.

Article 8: Mobile phone arrears may also cause overdue payments.

In the past, everyone could buy some "five-yuan cards" that did not require real-name registration. Even if they were in arrears, as long as you didn't use them in the future, you could just throw them away and you would be fine if you didn't make up the payment. But later, the business hall also standardized it. Mobile phone numbers are all real-name, and most of them can be linked to bank cards. In this way, even if you abandon the card, you must remember to make up the balance, otherwise the monthly fee will be overdue, which will still affect your personal credit.

Article 9: Be wary of owing money or having your ID card fraudulently used by others.

Try not to get involved in debt or other financial problems, and you must also be vigilant to protect the security of your personal information and prevent your identity from being stolen by criminals.

How to check the progress of mortgage approval?

You can consult the loan processing staff or call the customer service number for consultation.

1. To check the progress of the loan, you can ask the staff of the bank where we handled the loan for consultation. Generally, the staff who gave us the loan should be able to help us with the inquiry. The bank itself is also relatively responsible for the processing of the loan. Generally, we can arrive within fifteen working days. Account, bank staff will notify you in time.

2. Another way to inquire is to inquire by phone, because the loan department of the bank has experience in handling this kind of inquiry information. You can inquire directly by phone. The manager of the bank will inquire about the specific situation for us and then inform us of the specific situation. matters.

3. The last way is to check online. At present, some banks have opened the function of online loan query. You can log in to the official website of your bank. There are many small projects on the right. You can look for the directory of loan progress query, and then according to your own Query the processing date.

How to check the progress of loan approval. Three ways to check the progress of bank loans

Checking the progress of loan approval is what many loan friends want to do. So, how to check the progress of loan approval? Which ones are there? How do we check the loan approval progress? Let me summarize it for you.

1. How to check the progress of bank loan approval

1. Online query

Applicants can directly enter the official website of the lending bank, log in to personal online banking, and log in After entering, follow the prompts to make inquiries

2. Counter inquiries

Applicants can directly go to the loan bank's business hall to make inquiries. When making inquiries, applicants need to bring their personal ID cards and loan bank cards and let the staff inquire for you.

3. Telephone inquiry

Applicants can directly call the customer service hotline of the loan bank, follow the voice prompts, and enter the relevant ID number to make inquiries. Telephone inquiries are more convenient.

2. Loan APP loan approval progress query method

General loan APPs have a special loan approval progress query column on the APP interface. Applicants can directly click to enter the query. In addition, applicants can contact customer service directly and state their name and ID card to inquire about the loan approval progress.

3. How to check the progress of provident fund loan approval

Applicants can log in to the sub-core websites of core state agencies to check the progress of loan approval. The specific operation method is: log in to the official website of the provident fund and enter "Information" Click "Personal Loan Inquiry" in the "Inquiry" column. After entering the employee account number, ID number, employee name, inquiry password and verification code, click "Loan Application Inquiry" on the left side of the page. Set your own password for the first login.

Reminder

When applying for a loan, you must first understand the time it takes for home loan approval to avoid the approval time exceeding expectations and delaying your arrangements. In addition, when you apply for a loan at different times, the approval time required is also different. When the loan institution encounters a tight quota, the bank will extend the loan approval time accordingly, and the loan approval progress query will remain unchanged.

How to know whether the ICBC loan review has been approved?

Borrowers can check the loan review progress through ICBC Online Banking or ICBC Mobile Banking. If the credit manager of ICBC does not inform you that the loan review failed, it proves that the loan is in the review stage. After the loan review fails, the credit manager of ICBC will inform the borrower as soon as possible.

The method for checking the progress of ICBC loan approval is as follows:

1. Log in to ICBC online banking, click Favorites, select Loan, then click "My Loan", and then click Loan Application To query the results, just follow the prompts on the page.

2. Log in to ICBC Mobile Banking, click Favorites, select a loan, then click "My Loan", then click to check the loan application results, and follow the prompts on the page.

After the borrower submits the loan application materials to the credit manager of ICBC, the credit manager of ICBC will issue a preliminary review opinion. If the credit manager of ICBC approves the borrower's loan application, the risk management review will continue; if the credit manager of ICBC fails the borrower's loan application, the borrower will be notified of the reason for the review failure.

After the credit manager of ICBC conducts the risk management review, he will submit the risk management review results, preliminary review opinions, and loan application materials to the general manager of ICBC. Borrowers need to be patient.

How to know whether the mortgage loan has been approved?

When buying a house now, most people will buy a house through a loan. You must know that doing so can also reduce the pressure of many people, but many people When people apply, they all go through the bank. I don’t know if it has passed. The editor below will introduce to you how to know whether the mortgage loan has been approved.

How to know whether the mortgage loan has been approved?

1. Some banks, such as ICBC, will issue a loan contract with an official seal after approval. Getting this contract means approval.

2. Some banks, such as the Agricultural Bank of China, require the property certificate after transfer to sign the contract. In this case, either the buyer or the seller can only go to the bank loan center with their ID cards to check the bank's approval results.

How long does it take to disburse a mortgage after approval?

When individuals apply for home mortgage loans, different banks or different housing loans have different disbursement times. Mortgage loan disbursement time is mainly divided into:

1. Housing provident fund loan disbursement is slow. Individuals apply for housing mortgage loans. Because the interest rates of individual housing provident fund loans are low, many people like to apply for this type of loan to buy a house. However, at the same time, the disbursement time of this kind of housing loan is slow, and it usually takes about 1-2 months to disburse. If it is slower, some areas will have to wait 6 months.

2. Commercial housing mortgage loan is about 1 month. Most applications for housing mortgage loans are commercial loans applied for at banks, and the disbursement time for such loans is faster than housing provident fund loans. At present, the lending time of many banks is about one month. Some banks lend money for shorter periods of time.

3. If you want the bank to release the loan faster, you can release the loan with the receipt. The loan can be released within 3 working days after the transfer. A guarantee fee of RMB 400 is required.

If you apply for a loan based on other certificates, it usually takes 15 to 22 working days to get the birth certificate, and the bank will lend money 3 to 5 working days after the birth certificate is obtained.

Summary: There is no relevant information about how to know that the mortgage loan has been approved. This depends on the bank. Different banks have certain differences in their approval. I hope the above introduction will be helpful to everyone.