Loan inquiry

How to check the progress of mortgage loan?

When inquiring about the progress of mortgage loans, customers adopt the following methods:

1. Call the hotline of the handling bank directly to consult the customer service staff, who will inform the inquiry result after verifying the identity of the customer.

2. Contact the account manager by phone or WeChat to let the other party know the specific progress.

3. If there is an offline business outlet of the handling bank near the work and residence, the customer can also bring his personal ID card to the outlet counter to ask the staff.

In fact, customers can wait patiently for the news from the bank. As soon as the loan funds are released, the bank will generally inform the customer immediately. In addition, customers can also check the funds in the receiving bank card from time to time. If a large sum of money suddenly comes out of the card, it means that the bank mortgage loan has arrived (the mortgage loan is often first hit on the customer card and then transferred to the account designated by the developer).

How long will it take to approve the mortgage?

Personal mortgage loans, different banks or different housing loans, the lending time is different. Mortgage loan lending time is mainly divided into:

1. housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to apply for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.

2. Mortgage loan for commercial housing is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.

If you want the bank to lend money quickly, you can lend money with a receipt and lend money within 3 working days after the transfer. 400 yuan guarantee fee is required. If you use other documents to lend money, it usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license.

Where can I check the bank mortgage loan?

You can query in the following ways:

1. Call the bank that handles the loan, directly call the bank that handles the loan to explain the purpose, and then tell your personal information, work unit, etc. According to the tips of the bank staff, you will know the result.

2. There will be SMS notification when the mortgage is settled, and pay attention to the information service of the mobile phone at any time.

3. Ask the corresponding bank manager.

4. Because the related finance of the real estate company can also know the issuance of mortgage loans, you can ask.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Information to be provided:

1. Identity cards of both husband and wife of the borrower (original and two copies)

2 household registration book (one original)

3. Marriage certificate (original and photocopy)

If you are unmarried, you need to fill in the unmarried statement, and our bank will keep the original.

5. Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (one original and one copy each).

6. A copy of the property right certificate of the complete set of houses actually owned by the family members (including the borrower, spouse and minor children) who intend to purchase the house.

Many investment guarantee companies have gained the full trust of banks in the standardized and efficient operation of post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good.

Personal housing loans are used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland. China citizens with full capacity for civil conduct, Hong Kong, Macao and Taiwan natural persons with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.

Basic knowledge of interest calculation

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12

Excuse me, what is the inquiry method of provident fund loans?

1. Generally, you can consult the manual customer service of the bank applying for a loan and inquire about the loan time of this provident fund. It takes 65,438+08-65,438+09 working days from the time when the borrower applies for a housing provident fund loan from the loan bank with relevant information. Among them: ① loan application (fill in the housing provident fund loan application form) is completed on the same day; (2) The bank shall conduct pre-loan review, and report to the municipal housing provident fund management center for review after approval, which shall be completed within 2 working days. (3) The municipal housing provident fund management center will review the loan and complete it within 1 working day. (4) After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days.

2. The inquiry method of lending time you mentioned can generally be handled through the bank credit department, and related matters can also be handled through the customer's telephone. Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to release provident fund loans, and generally it will not exceed 15 days. The specific number of days depends on the efficiency of the handling bank (usually China Construction Bank). Generally, if it is not the end of the year, the loan will be faster. It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage.