Joke Collection Website - Public benefit messages - Sign the loan in a few days at the latest.

Sign the loan in a few days at the latest.

Generally speaking, banks will notify lenders by SMS before lending money, and banks will lend money soon. After receiving the SMS notification, the lender will receive the loan in the afternoon of the same day or the next afternoon. The general loan amount is directly credited to the account of the real estate developer.

After the loan is approved, the lender still needs to go to the bank to sign. In general, it cannot be more than 10 days at the latest. It is best to sign the loan on the same day. But in reality, most people will choose to sign for it within three working days. After all, everyone is usually busy and needs to work. After the bank confirms the signature, it will make a loan.

After the mortgage loan, the lender needs to go to the bank to confirm the contract details, including the mortgage amount, mortgage interest rate, repayment period, monthly payment, repayment method and many other payments, which need to be checked again. Secondly, the lender needs to go to the bank to get the loan contract and repay the loan. If the lender doesn't get it, the bank will choose to mail it.

After confirming the bank loan, the lender also needs to go to the real estate developer to get the full invoice as backup data. In case anything needs to be dealt with in the future, the invoice is one of the most important materials.

Can the loan be repaid in advance?

Property buyers apply to the bank for a mortgage, and the loan application is passed without pre-examination. Strictly speaking, the bank told the buyers that they had passed the preliminary examination, which means that the bank has reviewed the information provided by the buyers and confirmed that it is correct. After the pre-trial is passed, the loan application is formally submitted.

There are two stages of bank loan: pre-trial and final review. Pre-trial does not mean that the loan application of the buyer is passed. Only after the final approval, buyers can wait for loans. Of course, after the final review, the buyers still need the notice of the bank to sign the contract, and the application is successful in the true sense after signing the contract.

Is it difficult to pass the final loan?

In practice, if the buyers pass the preliminary examination, the possibility of final examination is not small. The final review mainly focuses on the information provided by the buyer during the pre-trial and conducts a second review of the buyer. Mainly to confirm whether the information of buyers is suspected of fraud, and re-examine the loan qualifications of buyers.

What needs to be reminded here is that after the final review is passed and the contract is signed, it is the lending stage. In the lending stage, it is best for buyers not to apply for some other loans, lest banks think that the personal debt ratio of buyers is too high in post-loan management, thus delaying the lending speed.