Mortgage approval by SMS

1. Under normal circumstances, the approval of housing loan is indeed successful. After that, the customer only needs to sign the loan contract and complete the mortgage and other related procedures at the outlet within the agreed time according to the notice of the bank, and then wait patiently for the bank to lend money.

2. However, there are exceptions. Sometimes the bank is short of funds or something is delayed, and the loan may have to be reviewed twice, and it will take a long time to be approved. However, if the bank finds that there is something wrong with the latest credit of the customer during the second audit, it may not lend money.

3. Therefore, if the customer wants to repay the mortgage smoothly after approval, he must pay attention to maintaining good personal credit, especially when repaying the credit products under his name, he must avoid overdue; And during this period, it is best not to apply for too many loans, so as to avoid long-term lending, resulting in a high personal debt ratio.

4. When the mortgage is repaid and the real estate developer receives the remaining house payment, the mortgage is truly completed. After that, the customer only needs to repay the mortgage in installments on time according to the repayment plan agreed in the contract.

What are the process steps of bank loan?

① Acceptance. The handling personnel introduce the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default treatment and various expenses that the borrower needs to bear to the customer, and conduct a preliminary examination of the loan conditions, qualifications and application materials of the borrower.

② Investigation. According to the relevant regulations, investigators take reasonable measures to investigate the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness.

3 recognition. Authorize the approver to finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, mortgage, pledge and guarantee.

4 distribution. After the loan conditions are implemented. According to the demand for funds, customers can apply to the bank for withdrawal quota at any time.

⑤ Post-loan management. The loan bank shall, in accordance with the relevant provisions of loan management, supervise and inspect the income status, loan purposes, changes in collateral value and performance status of borrowers and guarantors, and the inspection results shall be recorded in writing and filed. Supervise the guarantee or credit of the guarantor or borrower, and ask the borrower and guarantor to provide help.

⑥ Loan recovery. According to the repayment plan and repayment date agreed by the borrower and the borrower in the contract, the loan bank deducts it from the agreed repayment account. The borrower can also repay the loan at the business outlets of the loan bank.