Will the mortgage lender inform me? How to check whether the mortgage has been approved?

Will the bank announce the housing loan? 1. When the housing loan comes out, the bank will send a text message to remind you that if it is a commercial service loan, it will generally arrive within 25 working days. If it is a municipal personal provident fund loan, it usually takes 15-20 working days to arrive, and the national provident fund can arrive after 6 working days. Moreover, the transaction volume of second-hand housing is rising, which is different from the timeliness of the next payment by the bank. If you have received the notice of the next repayment, I suggest you consult the loan bank.

2. Under normal circumstances, if you receive a short message or mobile phone from the bank and know that the loan has been approved, the real estate agent will inform you to take away the purchase contract that has been registered in the real estate management department (because the bank will not issue loans to you, the real estate agent will generally not take the purchase contract signed with you to the real estate management department for registration).

3. Banks usually send loan contracts and bank cards to real estate developers in batches, so you can also get loan contracts and bank cards on the premise of getting a house purchase contract.

Some banks require customers to apply for loans again. After the next payment, remember to ask the bank for a loan contract and loan bill that belongs to you. Second-hand houses will also have insurance policies, evaluation books, tax stamps and so on. There are also two printed real estate licenses. Remember to stamp the official seal of the bank, because some government departments need to do things.

How to check whether the mortgage has been approved? The conclusion of mortgage will remind the lender by SMS. You can view it in the following ways:

1, housing loans are made by banks, so the most direct way is to know the corresponding bank marketing manager.

2. Considering that the housing loan is issued by the bank to the real estate company immediately, the relevant accountants of the real estate company can also know the mortgage payment situation for a long time;

3. In the process of mortgage review, the general bank will call the lender to inquire about some information. In the future, if all new projects meet the loan requirements, the lender will be reminded of the date and amount of the next payment before the loan is issued.

In fact, don't worry too much, because the bank mortgage process will follow the process. Once approved, there will be a telephone call from the staff. You just need to keep your phone on. In addition, you can call the credit account manager, who can also check the progress for you as soon as possible. After approval, you need to go to the bank to go through mortgage registration and contract procedures, and you can wait.