Will you inform me if the mortgage is blocked?

the mortgage will be notified later. Regardless of whether the mortgage application is successful or not, the bank will inform the lender. Usually, the bank sends the application results to the mobile phone number reserved by the lender in the form of SMS, and some banks may also call the lender to inform the lender of the approval results, so everyone can wait patiently.

If you open online banking or mobile banking of loan banks, you can also log in to check the progress of mortgage approval. However, I would like to remind everyone that the bank will only be responsible for informing the lender of the result, and if it fails to pass the examination, it will not inform the reason for rejection.

How long will the loan be released after the mortgage is approved

When a bank handles a mortgage loan or mortgage loan, the cycle is usually one month. If there are more bank lenders, the loan release time may be delayed to one and a half months or even two months.

Information required for loan:

1. Original and photocopy of the ID card and household registration book of the lender applying for mortgage. If single, a single certificate is required. If there is a spouse, a marriage certificate and a spouse's ID card certificate are required.

2. The original house purchase agreement signed by the developer. The principle of lending to buy a house is to mortgage the real estate license to the bank, so we have to mortgage the house purchase agreement to the bank.

3. The income certificate and relevant assets certificate of the borrower or spouse, including payroll, income certificate issued by the unit, bank deposit certificate and bank running water for half a year.

4. Bank deposit slip for down payment or copy of receipt or invoice for down payment issued by real estate development enterprise.

Factors affecting mortgage:

1. Generally speaking, banks have regulations that applicants cannot apply for loans if their credit cards and loans are overdue for three consecutive times or six times in total. Even if your overdue amount is small and the number of times is not many, it may reduce your loan amount, especially during the period of tightening credit policy, the bank's credit review of lenders becomes stricter, so whether you buy a house or not, you should develop the habit of repaying in full and on time.

2. If the person who borrows money to buy a house has not paid loans overdue, it will affect the credit of the property buyer, and it is very difficult to get a loan.

3. There are arrears and taxes in the public information, which also have an impact on the credit information of the house loan. Some cities will also record the overdue payment of public utilities in the credit report. If the applicant owes water, electricity, gas, mobile phone communication fees, etc., and is recorded in the credit report, it may be rejected by the bank in serious cases, or it may be necessary for buyers to increase the down payment ratio, or the bank may raise the loan interest rate and reduce the loan amount.