How long does it take for the bank to approve the loan?

Two or three weeks.

Second, the specific analysis of the mortgage after entering the approval process, it usually takes about two or three weeks to issue the approval results. At that time, the bank will immediately notify whether it is approved or not.

After receiving the approval notice, you should go to the bank outlet to sign the loan contract and go through the mortgage registration and other related procedures within the agreed time. This link will take about three to five working days. After that, the bank will enter the lending process, and generally release the loan funds in place within one or two months.

It should be noted that if the mortgage business happens to be busy and the loan amount is tight, the approval and lending may be delayed. If it can be approved in two or three months under normal circumstances, if something is delayed, I am afraid it will take three to five months, or even more than half a year.

In this regard, it is recommended to wait patiently. If the waiting time is too long, and the real estate developer has a dispute because he has not received the remaining house payment, he can contact the bank to inquire about the specific situation. If the bank can't handle the mortgage, he can only change to another bank.

Before applying for a loan, you can go to Winnie Hsin to check your credit status. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.

3. Will the mortgage be approved again after it is approved?

Mortgage approval is divided into pre-approval and formal approval. Pre-approval can only show that the user meets the conditions of mortgage application. At this point, the second audit will determine whether the user's mortgage application can be successful.

The bank will comprehensively evaluate the credit qualification conditions of users, and the specific audit results will be subject to the results notified by the bank. After the user's mortgage is approved, the user needs to sign a mortgage contract with the bank in person. If the audit fails, the bank will return the user's mortgage application materials.