How do I know if the mortgage has been approved?

How to check whether the mortgage has passed:

1, check at the bank counter. Go to the counter of the bank branch with your valid certificate.

2. Bank customer service inquiry. Call the bank customer service, tell the staff your name and ID number, and check the progress of mortgage application.

3. Bank APP query. At present, many banks can check the application progress of loans on the APP.

After the general loan is approved, you will receive a text message or phone call from the bank. Please be patient.

How long does it take to approve the mortgage?

Personal mortgage loans, different banks or different housing loans, the lending time is different. Mortgage loan lending time is mainly divided into:

1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to apply for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.

2. Mortgage loan for commercial housing is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.

3. If you want the bank to lend money quickly, you can lend money with a receipt and lend money within 3 working days after the transfer. 400 yuan guarantee fee is required. If you use other documents to lend money, it usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license.

What are the conditions that affect mortgage approval?

There are many conditions that affect the approval of mortgage loans. First of all, the borrower's age, education, residence, work, economic income, marital status, asset financial level, debt status, credit status and so on. Secondly, there are mortgaged houses: house price, house age, land use period of the house and so on.

If customers apply for provident fund housing loans, the deposit of provident fund will also affect the approval of mortgage loans.

If you want to get a mortgage smoothly, the borrower's age must meet the requirements of the handling bank; Still have a fixed residence or permanent residence in the local area; Work in the current unit for a certain period of time, and the economic income should be stable; It is best to have certain assets; Credit must be good. The value of the mortgaged house must meet the standard; The age of the house and the land use period of the house should not be too long, otherwise the mortgage loan will not be used for many years.

To apply for provident fund housing loans or portfolio loans, the continuous deposit time of provident fund must meet the requirements of banks (some banks require borrowers to continuously deposit provident fund for more than half a year).