Where can I check the results of mortgage approval?

1. Tel: Call the service hotline of the mortgage handling bank and ask the customer service staff through the manual service channel. After verifying the customer identity information, the customer service staff will naturally help with the inquiry and inform the inquiry result.

2. SMS: After the bank approves the mortgage, regardless of whether it is approved or not, it will immediately send a notification SMS to the mobile phone number reserved when the customer applies for the mortgage.

3. Online Banking/Mobile Banking: Log in to the online banking or mobile banking client of the mortgage handling bank, enter the loan interface to view the mortgage you have applied for, and select the progress query option to query the approval results.

4, outlet counter: bring your ID card to the offline outlet of the mortgage handling bank and ask the counter staff to know.

How long does it usually take for a mortgage to be approved?

After the mortgage is approved, it will generally be released within 2-3 weeks. However, different banks have different time periods and approval times. Generally speaking, the process of bank mortgage review usually goes through four stages of approval process, during which relevant insurance companies, guarantee companies, credit evaluation companies and notary departments will need to cooperate.

Briefly talk about the approval process of mortgage: first, the loan applicant provides the application form and loan materials; Then go to the account manager to enter the system; Then submit it to the credit review department for review; Then go to the approver for approval; Finally, the bank lends money. After lending, the borrower can make regular repayment according to the repayment date agreed in the contract.

What if the mortgage can't come down?

If the borrower's mortgage loan is delayed, it is actually possible to return the house, but the responsibilities of the buyer and the seller should be investigated according to the reasons. Whether the down payment can be refunded depends on the specific situation.

If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not approve the loan and the buyer shall bear the liability for breach of contract. If a developer sells a house that is not qualified for sale, that is, the developer fails to obtain a pre-sale permit or sells an existing house that is not qualified for use, the bank will not approve the loan when reviewing this situation. At this point, the purchaser can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.