How to check the mortgage?

1. online banking/mobile banking: the borrower can directly log in to the loan bank official website or the mobile banking client, and then enter the "loan" page; Then find the application progress query portal, click in, you can query the progress of personal loans, and you can know whether your mortgage approval application has passed.

2. Customer service telephone number: The borrower can call the customer service hotline of the lending bank or institution to apply for the approval result from the customer service staff. As long as the customer service staff verifies their identity, they will help with the inquiry.

3. SMS notification: After the general mortgage approval results come out, the loan banks and lending institutions will send text messages to the borrowers regardless of whether they are approved or not, and the borrowers can directly check whether they have received the text messages on their mobile phones.

4. Counter: The borrower can also go directly to the branch of the loan bank or the counter of the business department of the loan institution to find the staff to inquire. However, this method may be a little more troublesome than the previous ones.

What if the mortgage approval fails?

First understand the reasons for the bank's failure, and then negotiate with the bank to deal with and remedy it. If it really doesn't work, but buyers really want to buy this property, they can try it in other banks. Those who meet the conditions can submit an application or find a guarantee company. Loans are riskier than banks, and interest rates will be higher. It is generally not recommended to choose.

What should I pay attention to when applying for a loan?

1. Pay attention to the authenticity of the application materials, including my address, identity information and contact information. , especially proof of income. Some borrowers lied about their income in order to increase the loan amount. Once it is found out, it will be directly refused a loan or even blacklisted.

2. Pay attention to the legitimate use of loans. If you buy a house, you need to provide strong evidence, such as a signed and sealed purchase contract and a receipt for the down payment. If the purpose of the loan is not clear, the bank will directly refuse the loan.

3. Pay attention to the cost of monthly payment, because if it is a mortgage, the loan term will be longer, so it is best not to let the family bear too much economic pressure, otherwise it will easily affect life, and the loan amount is too high, and it may be refused.

4. Pay attention to carefully read the loan contract, especially the loan amount, term, repayment method and repayment date. Once you find anything uncertain or unqualified, you must bring it up immediately, otherwise it will easily bring you unnecessary trouble.