202 1 how long can the loan be released after the mortgage is approved? Never do anything until the mortgage is lifted.

In order to buy a house, the working class applies for provident fund loans and commercial loans to buy a house, but most buyers apply for mortgage loans, all of which are commercial loans in banks, and this kind of loan is faster than housing provident fund loans. How long can it be released after the approval of 202 1 mortgage loans? What are the things you should never do before the mortgage is lifted? Let's take a look together.

202 1 how long can the loan be released after the mortgage is approved?

It is normal that the new mortgage policy issued by the central bank on 202 1 cracked down on some real estate speculators. After the average user's mortgage application is approved, the bank will lend money in about 1 to 2 months, but if your credit information changes during the bank loan period, the lending time will be extended. Different banks, different loan application cycles and different approval times. The reason for the slow mortgage review is the choice of provident fund loan method. Because of the complicated process, it usually takes 1 to 2 months to lend money. And commercial loans. The monthly bank loan amount is limited. Even if you pass, you may queue up for various reasons.

202 1 the central bank issued a new mortgage policy to crack down on some real estate speculators. Affected by the new policy, the property market is regulated, the mortgage interest rate is reduced, and the bank loan amount is tightened. Under the influence of the big environment, it is inevitable that the speed of mortgage lending will slow down.

In fact, every time there is a big change in the mortgage policy, the bank's lending speed will be slower in the first half of the year. Because the bank will make a one-year loan plan every year, and if there is a new policy, the bank will certainly modify and optimize the loan plan according to the new policy.

This is a bit like doing KPI every year when everyone is at work, but because of the changes in the company's business, KPI may have to be redone, so the project progress will be delayed.

If there are no unexpected circumstances such as policy changes, the bank will lend money in about 1-2 months after the average user's mortgage application is passed. If the user's credit information changes during the bank loan period, the loan time may be extended again.

There will also be some banks that lend money half a month after the loan approval, first, because the lender's qualifications are excellent, and second, because the bank's mortgage quota is sufficient.

Never do anything until the mortgage is lifted.

1, new job.

The second generation of credit information will display the information of the information borrower. If you change to a new job and work for less than three months, you will feel that the reliability is not strong, and even the internship period is not clear. If it passes, the income from work will be gone. What money will you borrow to repay the loan? !

2. Oversized credit card consumption and loans

Many people hold their breath before the mortgage review. It's no use overdrawing credit cards. Finally, when the review has a foundation, they begin to release themselves. They can use overdraft card to brush or even cash out; Or borrowed a lot of online loans, which caused my debt ratio to continue to soar. When financial institutions see this situation, they are undoubtedly worried that borrowers will be able to repay, and in order to better guard against risks, they will stop issuing loans.

3, the use of provident fund

Many people apply for provident fund loans, and they need the balance of the public provident fund account. For example, it is stipulated that the provident fund account must have a two-month mortgage amount, and the monthly repayment is deducted from the account. If the provident fund is emptied before the loan is issued, there will be no deduction after the loan is issued, which will be very troublesome.

4. Guarantee loans to others.

If you provide a loan guarantee to others, especially together with the loan guarantee, the debt of the other party will show information on the personal credit report of the loan guarantor. As a hidden debt of the loan guarantor, financial institutions are likely to check the credit before lending, and when they see that the debt has increased and the income has not increased, they will lend cautiously or even refuse to lend.

The above is the related content of "202 1 How long can the loan be released after it is approved" compiled by Bian Xiao.