Where can I find the approval status after the mortgage interview?

How do you know that the mortgage has been approved?

First of all, answer directly.

Judging from the whole process of bank loan approval and face-to-face loan signing, if the borrower receives the approval message or notice from the bank, it means that the borrower's mortgage has passed the approval smoothly.

Second, the specific analysis

If the borrower receives the face-to-face signing result or the notification message that the loan has arrived, it certainly means that the mortgage application has passed.

But before the mortgage loan is officially completed, the borrower can't take it lightly.

After the loan is approved, the bank will have a post-loan management link.

If the borrower's credit information has any problems before lending, such as sudden high debt, the bank will choose to delay lending.

Therefore, there is also a saying that credit business cannot be handled in the first three months of mortgage lending.

If the borrower is anxious to know whether his mortgage application has passed, he can also call the bank's credit manager directly to ask.

Generally speaking, the credit manager will know the approval result in advance.

You can also log in to the online banking to inquire.

If the result of mortgage approval fails, the borrower had better change the bank that applied for the loan immediately, or directly consult the developer to return a house.

Because there is no loan fund to pay the remaining amount, the borrower defaults and the consequences are more serious if it is delayed for a long time.

Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. You can clearly understand the problems existing in your online loan big data in Winnie Hsin, make an accurate and comprehensive inquiry, and solve the problems in online loan big data in time.

3. How long does it take for the mortgage to enter the approval process?

After the mortgage enters the approval process, it usually takes about two or three weeks to issue the approval results. At that time, the bank will immediately notify whether it is approved or not.

After receiving the approval notice, you should go to the bank outlet to sign the loan contract and go through the mortgage registration and other related procedures within the agreed time. This link will take about three to five working days.

After that, the bank will enter the lending process, and generally release the loan funds in place within one or two months.

It should be noted that if the mortgage business happens to be busy and the loan amount is tight, the approval and lending may be delayed.

If it can be approved in two or three months under normal circumstances, if something is delayed, I am afraid it will take three to five months, or even more than half a year.

In this regard, it is recommended to wait patiently. If the waiting time is too long, and the real estate developer has a dispute because he has not received the remaining house payment, he can contact the bank to inquire about the specific situation. If the bank can't handle the mortgage, he can only change to another bank.

How to check the progress of mortgage approval can be inquired through different channels.

Many people will apply for a loan when they buy a house, so how can borrowers check the progress of mortgage approval after submitting the loan information? Do you usually pay attention? Let's give you a detailed introduction, so that you can quickly understand the progress of bank loan approval in peacetime.

You can check the progress of mortgage approval directly at the bank counter. At this time, users can directly carry their valid personal identification documents, and the bank staff will help you check the progress. However, this query method requires the borrower to choose a special time to query, which is a waste of time.

To check the progress of mortgage approval, you can also contact the account manager who handles the loan. They can directly judge which step they have reached and give the most accurate information. Because the process of handling loans is generally assisted by them, any information needed for handling loans is generally told to borrowers by them.

There is the possibility of being rejected when applying for a mortgage. For example, if the borrower has a bad credit report, the bank will directly refuse the visa, and the bad credit report cannot be changed; There is also a lack of personal repayment ability will also be rejected by the bank. The average borrower's monthly income must be two to three times the monthly repayment amount. If it is lower than this standard, the bank will directly refuse.

When handling the mortgage, you must be 18 years old or above, have full capacity for civil conduct, pay the down payment, submit the bank flow in the last six months, and have a good personal credit report. After the borrower submits the loan information, the bank will review it. Only through the bank's audit can you get a loan. The process of reviewing loans usually takes about a month.

Users should repay the mortgage in time, and there can be no overdue repayment. After overdue repayment, the bank will charge a penalty interest, and if it fails to repay for a long time, the bank will collect it. If you don't pay it back all the time, the bank will sue the borrower at this time, and it may be enforced after being sentenced, which will adversely affect the individual.

How to check the progress of mortgage approval

There are five ways to query:

1. Telephone consultation: No matter banks or other lending institutions, you can call their customer service, and the institutions will have specialized personnel to provide you with consulting services. You only need to provide your identity and loan information, and they will help you check and tell you how your loan approval is progressing.

2. Inquiry in official website: Generally, banks or other lending institutions have their own official website. You can inquire about the progress of loan approval in official website. You can enter your account, find the loan progress query in the function bar, and then click Query to know your loan approval progress.

3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards and go to the bank counter or the lobby of other lending institutions to inquire. This is also a very convenient way for staff to help you check the progress of loan approval.

4. Contact the account manager: When applying for a loan, it is usually negotiated by the account manager, and the applicant can directly consult the account manager if he has any questions. So you can directly find the account manager who helped you with the loan and ask him to help you inquire, so that you can quickly know the progress of your loan approval, which is also relatively simple and convenient.

5, APP query; Now many banks and some lending institutions have their own APPs, and there will also be a loan progress inquiry bar in the app. Click Query directly to check their loan approval progress through APP.

Among them, online inquiry is the most convenient, taking China Agricultural Bank as an example:

1. Enter the online banking of Agricultural Bank of China, click Personal Service, and then click Loan.

2. After entering the loan page, click the application progress query to enter the loan progress query page.

3. Enter the ID number and mobile phone number, and you can query after logging in.

Extended data:

The loan has been approved, but the loan has not been released. Reason:

1. Although the loan has been approved, there are problems in the process of lending, so I can't lend you money. At this time, you need to communicate with the staff in time.

2. No bank card. Only after the bank card is bound, the borrowing institution will lend money. This is the most basic thing for everyone to remember.

3. The speed of appropriation is a bit slow, and the speed at which each institution issues loans is different. Just wait patiently!

In any of the following circumstances, the borrower shall not issue loans:

1, which does not meet the qualifications and conditions specified in Article 17 of Chapter IV of these General Rules;

2, production, operation or investment in products and projects prohibited by the state;

3, in violation of the provisions of the state administration of foreign exchange;

4, the construction project according to the provisions of the state shall be reported to the relevant departments for approval without obtaining the approval documents;

5, production and operation or investment projects without the permission of the environmental protection department;

6. In the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, and shareholding system reform. , the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided;

7, there are other serious illegal business practices.

Reference link: Baidu Encyclopedia: Personal Housing Mortgage Loan? people.cn