How to judge that you have successfully applied for a loan from the bank?

The specific content of the short message sent after the loan is issued is:

(1) loan amount,

(2) the loan period,

(3) Monthly repayment, reminding timely repayment.

Under normal circumstances, if the bank has sufficient funds, the loan can be basically completed within 1~2 weeks after the loan is approved, and the whole mortgage application process only takes about one month.

However, if the bank is short of funds, it will take a long time to lend money. Sometimes it is normal for individual banks not to lend money for more than half a year after mortgage approval.

For example, from the second half of 20 18 to the first half of 20 19, at that time, because of strict supervision and tight bank mortgage quota, many bank mortgages were slow at that time.

After most bank loans were approved, they had to wait in line for loans. At that time, most banks had to wait more than two months to lend money, and some banks even had to wait more than six months to lend money.

How can we speed up the lending of mortgage?

When bank funds are tight, the speed of mortgage lending is relatively slow. At this time, many people are anxious. For example, some people can live in a house normally when the mortgage is approved, and treat the house as a wedding room.

Bank lending is slow. What can be done to improve the speed of mortgage lending?

In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated.

First, it has something to do with banks. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door.

Second, there is a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel.

Third, let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

It is common for some banks to lend for three or four months. Bank loan procedures: 1. Loan application. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1 Basic information of the borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting and auditing firm, and the financial report of the previous period before applying for the loan; 3. Correct the original unreasonable loan; 4. List of collateral and pledge, certificate of consent of the mortgagee and pledge disposition, and relevant certification documents of guarantor's consent to guarantee; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the lender. Second, banks are subject to censorship. 1 After receiving the loan application form and related materials submitted by the customer, the bank will verify the customer's situation and judge whether it has the conditions to establish a credit relationship according to the bank's loan conditions. 2. The borrower's credit rating evaluation. According to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. 3 loan survey. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority. The third is to sign a loan contract. After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed.