How long does it take for the mortgage face-to-face review?

It usually takes about 5 days to receive the notice for the face-to-face review of mortgage loans. If the notice has not been received for more than five days, the loan applicant can take the initiative to contact the loan bank for consultation. After the face-to-face signing is passed, the bank will complete the loan within 1-3 working days, and the user can repay the loan on time according to the loan contract after receiving the money.

What should I pay attention to in face-to-face mortgage?

1. Bank running water: Bank running water is a kind of proof material to prove the income of an individual or company, and you need to apply for a loan from the bank. General banks recognize wage flow most, but some banks recognize self-saving flow. If the self-storage flow is submitted on a fixed date and amount every month and lasts for more than half a year, try to save more and take less, and accumulate a certain amount of deposits.

2. proof of income: this is also the material that must be provided when signing face to face, and it is also the guarantee that reflects the repayment ability of buyers. In order to ensure that buyers can repay their loans on time, the minimum requirement of banks for personal monthly income is to reach twice the monthly payment. For example, the monthly payment is 2000 and the monthly income is 4000. If it is a joint loan, you can provide proof of income of both parties.

3. Marriage certificate: judging marital status and providing marriage certificate and household registration book are important prerequisites for judging repayment ability for family-based house purchase behavior. If you divorce, you need to provide a divorce certificate to determine whether the first suite or the second suite is to set the mortgage interest rate. Don't provide unmarried people, and don't need a single certificate.

4. Credit report: Mortgage loans are all bank loans, so it is natural to check the credit information of buyers. If you are single, you only need to provide your own credit report. If you are married, you must provide credit reports of both husband and wife. In addition, the credit reports of both parties who jointly purchase houses with others cannot be less.

5. Purchase information: If it is the first suite, you can bring a purchase contract. If it is the second suite, you need to bring the relevant certificate of the first suite. Remember, you must provide a receipt for the down payment. If you can't provide it, it will affect the face-to-face signing of the mortgage.

What are the reasons for refusing to sign the mortgage in person?

1, credit history. Credit record is a label of personal credit and a prerequisite for applying for a mortgage. Usually, banks will check the loan records within five years and the credit card records within two years. Banks with strict requirements will look at the records with longer term. In addition, three consecutive or cumulative overdue times are serious bad credit information. Three times in a row means two times overdue in two months after this month's overdue, and six times in total means five months overdue intermittently after this overdue. If it is seriously overdue, it will be refused by the bank. In addition, banks are reviewed on a family basis. Married people should check the credit information of both husband and wife. If the lender has good credit information, the spouse may also be refused a loan.

2. Banks are flowing. Bank flow and income certificate The bank will also review the borrower's bank flow and income certificate. Generally, the monthly income is required to be ≥ X2 for mortgage payment. If the borrower is repaying other loans, the monthly income is required to be ≥ (existing loan+mortgage repayment) X2. Income is also based on family. If a person's income is not enough, they can use it together. The sum of their monthly income is at least twice the monthly mortgage payment.

3. Marital status. Marital status The last marital status, that is, the standard of "taking the family as the unit", affects the above three points at the same time. Married people or buyers with marriage history need to provide marriage certificate or divorce certificate+divorce agreement or court verdict. Marriage certificate is the marriage certificate for married people to buy a house, divorce certificate is the proof of past marriage, and court judgment is the proof of past property ownership. Not only that, the "family as a unit" restriction will also involve the review of the property under the name of minor children.