How to check the progress of mortgage approval?

1. 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.

supplement

Too many personal credit loans affect the mortgage.

2. Where can I check the mortgage progress?

There are five ways to query:

1. Telephone enquiry: No matter banks or other lending institutions, you can call their customer service. The organization will have specialized personnel to provide you with your identity and loan information, and they will help you inquire and inform you of your loan situation.

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: It is also very important to bring your ID card and loan bank card to the bank counter or the lobby of other lending institutions and ask the 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 ask the account manager to help you check, so that you can know the progress of your loan approval quickly, and it is easier and easier.

5. Some lending institutions have their own APP, and there will also be a loan progress inquiry column in the APP. Click Query directly to check their loan approval progress through app.

Among them, for example:

1, first enter the online banking of Agricultural Bank of China and make a loan.

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

3. Enter your ID number for inquiry.

Extended data

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

1. Although the loan was approved, I can't lend it to you. At this time, you need to communicate with the staff in time.

2, there is no bank card, only a loan, which is the most basic.

3. The funding speed is a bit slow. Just wait patiently for each machine!

In any of the following circumstances, the borrower shall not issue loans to it.

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

2, production and operation of products and projects;

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

4, the construction project submitted to the relevant departments for approval without obtaining the approval documents;

5. Approved by the production 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.

Basic introduction

The participants in mortgage, the buyers who finally buy the property, and the owners of the property (including developers/second-hand house owners) also need to evaluate the participation of companies and mortgage guarantee companies when applying for loans.

According to the statistics released by Real Estate Guarantor Management Co., Ltd. at the end of 20 10, the mortgage utilization rate has reached a high level in major first-tier cities in China, and the purchase rate has reached over 70%.

Moreover, in recent years, it has become a way of life closely related to residents' lives to realize "mortgage" by applying for mortgage loans for real estate.

classify

housing loans

Personal housing loan refers to the guarantee that the bank must provide to the borrower when he applies for personal housing loan for his own use. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.

Entrusted loan Personal housing entrusted loan refers to the loan granted by the bank to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to requirements. Also known as provident fund loans.

Self-operated loan

Personal housing loan is a personal housing loan issued by bank credit funds to buyers. The loan names of banks are different. Construction funds, Industrial and Commercial Bank of China and Agricultural Bank are all called "A".

Consortium lending

Ordinary housing loans issued by individual housing group funds and credit funds to the same borrower are a combination of individual housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Mortgage repayment method: average capital, equal principal and interest, two-week mortgage and other second suites, with a down payment of 50%.

The loan period is 20 years, and the loan period plus the applicant's age shall not exceed 70 years old.

Loan interest rate: the benchmark interest rate of the first home loan is 7.26% when the benchmark interest rate rises 1. 1 times.

3. How to check whether the mortgage has been approved?

If you have submitted a loan application at China Merchants Bank, you can log in to mobile banking to check the progress of loan approval (online banking and online customer service are temporarily unavailable). The entrance of mobile banking is as follows: 1. Home page-> Borrow money-> Loan progress inquiry; 2. My loan-> Query-> Loan progress inquiry; 3. Assistant-> Borrow money to do business-> Loan progress inquiry.

If you submit the complete loan application materials of our bank, the approval time will be about 15 working days, because each customer's situation will be different because it involves evaluation, mortgage registration and other links; Please contact the handling branch or loan account manager directly to confirm the specific loan release time, cancellation and other related information.

Tips: If you don't receive a reply call for the loan application submitted online, you can directly call 95555-3 Empty Bank -2 Empty Loan for manual consultation!

4. Where can I check the mortgage progress?

There are five query methods: 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 going. 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. Take ABC as an example: 1. First enter the online banking of ABC, 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 money for you. 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 grant the loan: 1. The borrower does not have 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. Participants in mortgage, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and owners of real estate (including developers/owners of second-hand houses), 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. Classified housing loans Personal housing loans refer to loans issued by banks to borrowers for purchasing ordinary housing for their own use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loan Personal housing entrusted loan refers to the loan granted by the bank to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to requirements. Also known as provident fund loans. Self-operated loans Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. Portfolio loan Personal housing portfolio loan refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. In addition, there are housing savings loans and mortgage loans. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc. Loan amount: 80% of the value of the loanable property after being audited by the bank. Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan. Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old. Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.