Has the mortgage approval passed the holiday notice?

Will there be a SMS notification when the mortgage is passed?

There will be a SMS notification when the mortgage is approved. After receiving the SMS notification, users need to sign a loan contract with the bank within the specified time. If the user fails to sign the contract within the specified time, it shall be deemed that the user has given up the mortgage application. In addition to SMS notification, some banks will call applicants to inform users that they have passed the mortgage review, and then they need to go to the bank to sign a contract.

If the mortgage fails, there will be a text message to inform the user. At this time, users can call the mortgage bank and ask the specific reasons for the failure.

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legal ground

"Measures for the Administration of Individual Housing Loans" Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

Is there a SMS notification when the mortgage is approved?

After the mortgage is approved, the bank will send a user notification message to the mobile phone number reserved by the user. Moreover, the content of the short message will inform the user to go to the bank outlet for a mortgage interview as soon as possible. Generally speaking, after submitting a mortgage application, if you haven't received a notification message for a long time, users can take the initiative to call the hotline of the approving bank and then consult the specific audit results.

Although the bank's customer service hotline is unified, each bank will have its own landline phone, and users can directly dial the landline phone of the outlet.

Bank loans, holiday loans?

Under normal circumstances, it will not lend. Loans are made manually, and manual customer service may rest on non-working days such as weekends or holidays. At this time, the loan will not be issued normally, and the loan funds will not be issued until the working day.

Most of the online loans are made by the system, and only a few are made by manual customer service, so users can choose to apply for online loans if they want the loans not to be affected.

So, what are the factors that affect the speed of the next payment?

1. Time to apply for a loan If the borrower happens to meet the lending time when the bank line is tight when applying for a loan, the lending time will be delayed accordingly.

2. Different lending institutions will have different lending rates. If the lender is a bank, the lending speed will be slower, and if the lender is a lending company, the lending speed will be faster.

3. Is the loan information prepared by the borrower complete? If the borrower makes mistakes in preparing loan information when applying for a loan, it will also affect its approval speed, so the natural lending speed will also be slow.

202 1 time of bank lending

1, China Bank, China Bank's mortgage lending rate has not been very fast, but because China Bank controls the proportion of mortgage loan every year, the new mortgage policy has no great influence on China Bank's mortgage lending. 202 1, 15 working days if the loan speed of BOC is fast; Slow 1 month or so.

2. Compared with the lending speed of CCB in other regions, the lending speed of CCB in Beishangguang area is much slower, and many CCB in Guangzhou even announced that it may suspend the second-hand housing loan business. Therefore, in the year of 20021,the lending speed of CCB may be relatively slow, generally taking 30 working days.

3. After the Postal Savings Bank received the policy, it adjusted quickly. Since March, 20021,most postal savings banks have resumed their normal mortgage business, and the loan review time and lending speed are not much different from before, which takes about 15-30 working days.

4. The lending speed of ABC is still relatively slow. Agricultural Bank policies in first-and second-tier cities are more strictly implemented, and it is more difficult for users to apply for loans. According to the feedback from relevant users, it generally takes about 1-2 months to apply for a mortgage at ABC.