How to check whether the bank mortgage has come down?

First, how to check whether the bank mortgage has come down?

The lender will receive SMS to inform the mortgage result. You can query in the following ways:

1. The house loan is a bank loan, so the most direct method is to ask the corresponding banking business manager.

2. Considering that the housing loan is directly issued by the bank to the real estate company, the relevant finance of the real estate company can also know the mortgage payment for the first time;

3. In the process of mortgage review, the general bank will call the lender to verify some information. Then, if all the projects meet the loan conditions, the lender will be informed of the loan date and amount by SMS before the loan is issued.

Extended data

Procedures for mortgage loan:

1. Go to the bank to find out the situation first. And apply for personal housing loans with all relevant materials.

2, and then accept the bank's audit, determine the loan amount.

3. Next, you can apply for a loan contract, and the bank will apply for insurance.

4. Handle property mortgage registration and notarization. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

Degree Encyclopedia: Mortgage

Second, the mortgage bank borrowed money, is it possible to recover it?

The mortgage bank has lent money and it is impossible to recover it. Because when the bank loan manager reviews your loan information, and the bank reviews it layer by layer, your information is fine, and your personal credit is good and you have repayment ability, you will directly transfer the full amount of your loan to the account of the developer who bought this property through your loan application. For example, the house you bought is 800,000 yuan, and the down payment has been paid 1.6 million. The remaining 640,000 yuan will be applied to the bank for commercial loans. After the loan process is completed, this 640,000 yuan will be used as a house purchase loan from the bank to the developer. In this way, your money exchange with the developer is over. The developer has collected all your house payment, and the rest is your loan relationship with the bank.

If there is no problem with the bank's review of your loan information before lending, you can apply for normal lending, but you find that the developer has problems, such as the broken capital chain, the developer can't make ends meet, it is no longer possible to continue developing the property, or the quality of the house is problematic. Banks will not lend money at this time. The bank will also comprehensively consider the risks of both parties, and then decide whether to give you a loan or not to give a loan to the developer. Because the bank wants to lend you money to buy a house and then charge interest. The longer the loan time, the higher the interest. Now the loan is 600,000 yuan, and the accumulated principal plus interest for 30 years is about 6.5438+0.2 million yuan. Therefore, the bank also hopes that the developer will continue to operate without any problems, and then you can honestly and smoothly repay the loan for 30 years.

If the loan cannot be repaid normally due to personal reasons, the bank will not recover the money that has been released, because the developer has money and he can't get it back. I will only call you to urge you to repay on time, otherwise there will be serious overdue credit investigation. If you still don't pay it back, the bank will ask the developer to join you, and even suggest the developer to join you. If the developer agrees to repossess the property, you should pay back the money you owe the bank, and then you should not only pay back the money you paid, but also recover the liquidated damages. So this is the worst result, try not to come to this step.

Third, how do you know that the bank mortgage has not been approved?

You can query your loan information through the following channels (including: quota/total loan amount, quota start date/maturity date, loan balance, number of remaining installments, repayment method, quota/loan status, deduction date and loan repayment record). You can log in to the mobile banking, click "My → All → My Loan → Inquiry → Loan Record", and click the applied loan to view the loan details. You can also log in to the popular version and select "Loan Management → Personal Loan Inquiry → Loan Inquiry" to view the loan information. Mortgage loan, also known as mortgage loan. Mortgage refers to the documents that the buyer must submit according to legal documents, such as filling out the mortgage loan application form to the bank and providing ID card, income certificate, house sales contract and guarantee. After passing the examination, the bank promised to issue loans to the buyer. And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract. Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans. Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives. In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. But each commercial bank can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

Fourth, how can I find out when I buy a house with a bank loan?

1. The loan is issued by the bank, so the most direct legal office should ask the corresponding banking business manager.

2. Considering that the loan is directly issued by the bank to the real estate company, the relevant finance of the real estate company can also know the mortgage payment situation for the first time;

3. Now banks generally have SMS reminder function, so you can pay attention to information reminder. Generally, there will be SMS reminders at the first time of mortgage.

Data expansion: process

Generally speaking, when the loan is approved, the bank will call you and then sign the contract.

1, please go to the bank to learn about it. And apply for personal housing loans with all relevant materials.

2. Accept the bank's review of you and determine the loan amount.

3. Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.

4. What is left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

After the above procedures and formalities, you can get a new house through mortgage.

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