What does the bank mean by calling back?

How long after the mortgage bank calls to verify the approval?

When a customer applies for a mortgage loan, the bank should release the results immediately after calling for verification. After all, calling back is the last link of approval. After confirming that the loan application is really operated by me and the information provided by the customer is consistent with the real situation and accurate, I will naturally complete the decision on whether to approve it according to the comprehensive evaluation of the customer's credit status, and notify the customer within a week or so.

As long as the customer waits patiently, if the notice is delayed, the follow-up customer can also take the initiative to call the bank customer service to consult the specific progress. Customers who receive the approval notice will go to the outlets to sign loan contracts and go through mortgage registration and other related procedures within the agreed time. After the formalities are completed, the bank will enter the loan link, and usually can pay the money within one to two months.

Of course, it doesn't mean that the bank will definitely pass the examination and approval by calling to verify the mortgage. If the customer receives a notice that the approval is not passed, the customer can check the reasons for the rejection and solve the problem before reapplying.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are: urban residents are used to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, have a down payment of 30% of the funds needed for house purchase, and have a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:

Have permanent residence in cities and towns or valid residence status;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

There is a contract or agreement for the purchase of housing;

Do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;

There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

Other conditions stipulated by the lender.

Handling process

Loan application: the customer fills in and submits the application form and application materials specified by CCB.

Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

Loan approval: CCB approves loans.

Signing a contract: after the customer's loan is approved, sign a loan contract with CCB.

Loan issuance: CCB will issue loans after meeting the requirements.

Customer repayment: the customer repays on time as agreed.

Loan settlement.

There are two main ways to withdraw loans:

Direct withdrawal: After the loan contract comes into effect, the borrower will directly transfer the loan to the deposit account opened in the loan bank according to the payment plan agreed in the contract.

Special withdrawal: after the loan contract comes into effect, the borrower entrusts the loan bank to transfer the loan to the deposit account opened by the selling unit or developer in the relevant bank at one time or in installments according to the time stipulated in the loan contract. Borrowers who take special withdrawal methods must provide relevant contracts to the lending bank when withdrawing money. Agreement payment notice and other documents.

Housing provident fund loans should be issued through special extraction.

What happened when the mortgage bank called the bank?

There may be the following situations:

1, verify the running water. In order to prevent false mortgage during telephone verification, it is not a channel to ask for proof of your income, but sometimes it is only provided by the way. The proof of income is whether the proof of income and bank flow provided by you during the investigation are true and credible.

2, the process that must be taken. Telephone verification of mortgage loan is one of the necessary processes.

3. Check the authenticity of the house sale: such as the location, area and purchase amount of the house.

After submitting the information, will the bank call me to verify the application of BOC mortgage loan? What questions will the bank ask me if you call me?

Bank of China will comprehensively evaluate the credit status and solvency of the applicant and guarantor, conduct pre-lending investigation through interviews, telephone verification and home visits, and complete customer information verification. After accepting your loan application, conduct corresponding examination and approval. For details, please consult the loan handling bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

When buying a house loan, I will call to ask about the building I bought.

Yes The bank will call back. In the process of approving the house loan, the bank will comprehensively evaluate the credit status and solvency of the applicant and guarantor, conduct pre-loan investigation through interview, telephone verification and home visit, and complete the customer information verification, so it will call. Housing loan is any form of housing loan support provided by banks and other financial institutions to housing buyers, usually with the purchased house as collateral.

Will the bank call to verify the mortgage income certificate?

1. The bank will verify the mortgage income certificate by telephone. The loan requires the loan applicant to provide proof of income to the bank that provides the loan, which must fill in the company's contact information, usually the landline number. The bank will verify the income certificate and other information provided by the lender according to the actual situation, including but not limited to calling the lender company to verify the situation.

2. The mortgage income certificate can be issued directly in the unit. Please pay attention to the format when looking for the income certificate approved by the bank from the financial department or human resources department of the unit. Then you have to go to the bank to open a running certificate, bring your ID card and bank card, and you can open it at the bank counter. Generally speaking, it takes 6 to 24 months for a bank to run smoothly, depending on the requirements of the bank.

3. Mortgage loan is also called mortgage loan. Mortgage means that the buyer fills in an application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to issue loans to the buyer after passing the examination, and handle real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.