What should I do after receiving the mortgage text message?

After receiving the short message of mortgage loan, the customer only needs to wait for the bank to transfer the loan funds in the receiving bank card to the account designated by the real estate developer.

However, after the mortgage loan is transferred to the bank card under the customer's name, it will generally be transferred to the account designated by the developer immediately, and the mortgage will be completed after the real estate developer receives the remaining house payment. Next, the customer can repay the principal and interest of the mortgage on time and in installments according to the repayment plan agreed in the signed loan contract.

If the customer has paid the housing provident fund, he can also go to the provident fund to repay the loan, and use the balance of the provident fund account to offset the mortgage (you can apply for monthly payment, that is, deduct the corresponding amount from the provident fund account every month to repay the principal and interest due in the current month; You can also apply for an annual offset, that is, deduct the balance of the provident fund account once a year to offset the principal payable).

If the customer has sufficient funds in the later period, he can also make early repayment (it usually takes one year to repay on schedule before he can apply for early repayment, otherwise he may have to pay a certain penalty). After the mortgage is paid off, customers can go to the bank to issue a loan settlement certificate, get back their own warrants, and then go to the Housing Authority to understand the mortgage procedures.

How long does it take for the bank to lend without limit after the mortgage is approved?

After the mortgage is approved, it usually takes some time if the bank has no quota for lending for the time being. As for the specific waiting time, it depends on when the bank absorbs deposits and deposits and has enough funds. If it is generally fast, it may be possible to lend money after ten days; If it is slow, it is estimated that it may take a month or two (the longest time from applying for a mortgage to lending to an account is about three months).

For example, many customers who apply for mortgage loans at the end of the year, because the bank funds are tight at the end of the year, coupled with the settlement at the end of the year, have complicated business, and many of them wait until the opening of the market after the year, and there has also been a phenomenon of "waiting for loans".

In this case, the customer can't intervene manually and can only wait patiently. When the bank loan arrives, there will naturally be information to inform the customer. If the customer is worried that the long-term non-payment of mortgage funds will have an impact on the delivery of the house, he should explain the situation with the real estate developer to avoid disputes arising from the delay in receiving the house payment.