Can I get a loan by calling the bank?

Will the bank call when the mortgage is approved?

Will the bank call when the mortgage is approved?

Yes, I'll call you after the mortgage comes down and ask you to go to the bank to get the loan contract and repayment details.

Yes, as long as the applied loan is successfully approved, there will be SMS or telephone notification. If there is no notice several times, the bank card required by the bank will also be reminded by SMS, and there will be a notice that the money has arrived, so as long as it passes, I will definitely know whether the money has arrived.

Will the bank take the initiative to inform you when the mortgage is approved?

I will inform you that I will repay the loan next month after the mortgage comes down.

Conditions to be prepared for handling bank mortgage:

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Materials to be prepared for handling bank mortgage:

1, loan application form;

2. Subscription agreement or sales contract;

3. identification;

Identity certificates refer to: foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, and family visiting cards. If you work locally, you need to provide a work permit. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located. If you work locally, you only need to provide a marriage certificate issued by a local company. Credit certificate refers to the annual family financial report, stock trading list and tax bill of the accounting firm in the country where the foreigner is located. If you work locally, you only need to provide proof of income of the local company.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).

Will the bank inform me when the mortgage is approved?

When the mortgage is approved, the bank will inform the customer, and when it is approved, it will also inform the customer to sign relevant documents and contracts for lending.

Will the bank inform you when the mortgage comes down?

The bank will inform you when the mortgage comes down.

After the mortgage is paid off, the bank will also inform.

Usually by phone or text message.

How will the bank inform the bank to exchange money after the loan is approved?

Hello, if you apply for a loan through our bank, you will generally be notified by SMS. Your repayment date is the time when you directly negotiate with the counter when you apply for a loan.

If you have any questions, please open cmbchina, the homepage of China Merchants Bank. Click "Online Customer Service" in the upper right corner to enter the consultation.

Will the bank inform if the mortgage is not approved?

After the loan is approved, the bank will inform you to go to the bank to sign it. Without your signature, the bank won't give you a loan.

When the mortgage comes down, you will be notified by phone. How long can the general mortgage come down?

Generally speaking, handling bank loans requires complicated and detailed steps. These processes will take some time, but not too long. If we want to borrow money to buy a house or a car, we can apply for a loan from the bank. After receiving the application, the bank will check your credit history through the People's Bank of China. If there is nothing wrong with your credit, the bank will reply to your personal loan application within three days, and ask you to prepare and submit a series of relevant documents according to the regulations of the bank, such as copies of necessary documents, income certificates, down payment documents, etc., and go to the bank to sign the relevant loan contract and some documents and certificates needed by the bank.

After all these preparations are completed, we will enter the examination and approval stage. At this stage of waiting for approval, we still need to go to the transaction center of the Housing Authority for mortgage registration, because once the repayment is not made on time, the house will be deducted by the bank, which will take about 10 to 15 working days. After the Housing Authority Trading Center issues other warrants, the bank will lend money within three working days, and we can repay the loan in the next month.

The whole process probably won't last more than a month, and some can be completed in a week or so. But be sure to get all the materials ready and hand in the materials as soon as possible, which can also speed up the time for handling loans. How long does it take to get a bank loan? I'm sure everyone knows.

Everyone should know how long it takes for a bank loan. It won't take too long to get a bank loan, and it won't wait too long. And now there are many people applying for loans, and there are also many banks applying for loans. Industry competition will also speed up the time for handling loans, so we don't have to worry that it will be too slow to handle bank loans, but we must have a good credit record, otherwise it will not be too slow and the loans may not be successful.

I will let you know.

The mortgage failed because it did not meet the loan conditions.

Conditions for buying a house with bank loan:

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Second, what materials do you need for a bank loan to buy a house?

1, loan application form;

2. Subscription agreement or sales contract;

3. identification;

Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).

Third, what is the process of buying a house with bank loans?

Step 1: The buyer and the seller prepare complete information to see a lawyer.

Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion;

Step 3: The bank reviews the evaluation report and the president signs the loan.

Step 4: Loan.

Note: Banks have different information requirements for buyers and sellers, and the process details are also different. Please refer to the monthly loan handbook.

Four, the loan to buy a house to pay attention to the six major issues

1, the provident fund will not be used before the loan. If the borrower withdraws the balance of the provident fund savings to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, and your provident fund loan amount is also zero, which means that you cannot apply for a provident fund loan.

2. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made one year after the loan is paid off, and the amount you return should exceed six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. When the repayment ability declines during the loan period, don't insist on it yourself when there is difficulty in repayment. ICBC customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term, and there is no default of principal and interest.

4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where you lived before to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property.

6. Don't lose the loan contract and IOUs. Applying for a loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan takes a long time, as a borrower, you should take good care of your contracts and IOUs.

Will the car loan lending bank call?

Whether the loan is successful or not, the relevant person in charge of your loan will inform, and so will the lender. If you are not at ease, you can ask the person in charge to inform you, or you can call or ask yourself.

How many days will the bank call you after the general mortgage is overdue?

There are no specific standards. Generally, banks will contact customers at the end of the month because of task problems, and some banks will contact customers at overdue business meetings around 1 month.

Will the bank call every lender to pay a return visit? I got a loan from ICBC.

The loan will definitely be called back, and the loan will only be released if the information you provide is true. It will take you about 7-30 days to review the mortgage, mainly depending on whether the documents submitted by the parties are complete and meet the requirements of the bank. Bank loans range from 1 considerate 1-3 months.

Approval of audit documents-Notify the developer for filing-The developer submits the filing form (seal) to the bank-The bank finalizes the case-Lending.

Tips: From 201911kloc-0/7, the customer's SMS approval and confirmation function has been added on the basis of the original telephone verification. After the loan is approved, the system will automatically send a short message to the mobile phone number reserved by the borrower, informing it of the loan amount, term, interest rate, account number and other related contents. You should forward the short message to 95588 within the specified time, which is also regarded as the verification of relevant information with you. At the same time, the original manual telephone verification method is still retained for the large loan business that exceeds the maximum loan amount approved by SMS (set by each branch).

The details that need to be paid attention to when lending mainly include:

1. Are lending institutions and platforms formal?

Be sure to pay attention to whether the institution or platform that handles the loan has a financial license. If you encounter an informal lending institution or platform, you are likely to be cheated.

2. Whether the loan interest is normal:

Some lending institutions and platforms may cheat on interest, such as flaunting low interest rates, and as a result, the approval interest rate is actually much higher. This situation is very common in small loans. There are also some online loan products that charge "beheading interest". Therefore, people must pay attention to whether the interest rate is at a normal level and whether it has reached a new standard when lending.

3. Are there any mandatory requirements:

Some loans may have additional requirements, as well as various service fees and liquidated damages. Will be charged. Everyone must pay more attention to loans to avoid being restricted later.

What are the details of the loan?

When you apply for a loan from different lending institutions and platforms, the rigor of the review is different, and the information you need to provide may be different. Therefore, it is best to find out what information needs to be provided first, so as to avoid omission and affect the handling of loans.

Will the bank call to inquire about the purpose of the bank loan?

1. The bank may call to inquire about the purpose of the loan. This is a telephone audit. Some users may be spot-checked, so human customer service will call for telephone audit. The telephone audit will ask the basic information of the lender, the loan amount and the purpose of the loan. As long as the answer is consistent with the application materials, there is basically no problem

2. Of course, there are still many users who will not receive the audit call, so as long as the loan passes, they can basically borrow money.