Lending SMS

1. Under normal circumstances, the approval of the housing loan is indeed successful. After that, the customer only needs to go to the outlet to sign the loan contract and complete the mortgage and other related procedures within the agreed time according to the notice of the bank, and then wait patiently for the bank to lend money.

2. However, there are exceptions. Sometimes, if the bank is short of funds or something is postponed, the loan may have to be reviewed twice before it can be approved for a long time. However, if the bank finds that the customer's latest credit is problematic during the second audit, it may not lend.

3. Therefore, if the customer wants to pay the mortgage loan smoothly after approval, especially when repaying the credit products under his name, he must pay attention to maintaining good personal credit and avoid overdue; And in the meantime, it is best not to apply for too many loans, so as not to borrow for a long time, resulting in a higher personal debt ratio.

4. When the mortgage loan is paid and the real estate developer receives the remaining house payment, the mortgage loan is truly completed. After that, the customer only needs to repay the mortgage in installments on time according to the repayment plan agreed in the contract.

What are the process steps of bank loan?

① Acceptance. The handling personnel introduce the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default treatment and various expenses that the borrower needs to bear to the customer, and conduct a preliminary review of the borrower's loan conditions, qualifications and application materials.

② Investigation. According to the relevant regulations, investigators take reasonable measures to investigate the authenticity of the materials submitted by customers and evaluate the repayment ability and willingness of applicants.

3 approved. The authorized approver finally approves and determines the comprehensive credit line and the validity period of the line according to the customer's credit rating, mortgage, pledge and guarantee.

4 distribution. After the loan conditions are implemented. According to the capital demand, customers can apply to the bank for a withdrawal amount at any time.

⑤ Post-loan management. The loan bank shall, in accordance with the relevant provisions of loan management, supervise and inspect the income status, loan purposes, changes in collateral value and performance status of the borrower and guarantor, and the inspection results shall be recorded in writing and filed. Supervise the guarantor or borrower's guarantee or credit, and ask the borrower and guarantor to provide assistance.

⑥ Loan recovery. According to the repayment plan and date agreed by the borrower and the borrower in the contract, the loan bank will deduct it from the agreed repayment account. The borrower can also repay the loan at the business outlets of the loan bank.