If the mortgage interview is passed, the probability of rejection is relatively low. After the face-to-face signing is passed, the bank will inform the user to sign the mortgage contract. As long as the contract is successful, the bank will lend money according to the contract. Some banks will conduct a second audit when lending, but as long as the credit qualification conditions of users have not changed, banks will not refuse to lend money to users after the second audit.

In fact, in a short period of time, the credit qualification conditions of users will generally not change. As long as users pass the face-to-face interview, there will generally be no second audit.

Loans to individual housing buyers

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 mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Has the mortgage been signed in person?

In daily life, most people choose this loan method when buying a house. After all, it is difficult to pay so much money at once when buying a house. However, in the process of loan, many people are worried about whether the face-to-face signing can be passed. So, was the mortgage interview rejected? What should I check in the mortgage interview? Let's explore the answer together!

1. Has the mortgage been rejected by signing in person?

Yes Because after the applicant applies for a loan from the bank, the bank will investigate your relevant information. If your credit card is overdue or other misconduct occurs, the bank will refuse the loan. Therefore, if you want to buy a house and get a loan, you must make sure that there is no problem with your credit information.

Second, what should I check in the mortgage interview?

1. Check marital status: if married, the wife or husband should be present, and the original household registration book, marriage certificate and other materials should be provided. If you are currently divorced, you need to show a divorce certificate. Because the bank will take into account the repayment ability of you and your family and the basic condition of the house when lending, and will also determine the loan amount for you according to these conditions.

2. Inquire about the borrower's repayment ability: the bank will inquire about your income. In fact, your income certificate and bank flow are both part of the bank's key inquiry, because it is closely related to your repayment ability. Generally speaking, your monthly income must be twice that of the house.

3. Inquire about the borrower's work: the bank will inquire about your current work. In fact, this is also to check your repayment ability.

The bank will determine the mortgage amount for you after reviewing all your information.

Editor's summary: The above introduces the related contents of face-to-face mortgage and what to check, hoping to give you some help. If you need to discuss more about face-to-face mortgage signing, you can continue to lock our website.

The mortgage interview passed, is there a high probability of rejection?

If you have passed the face-to-face visa, there is basically no possibility of refusing the visa unless your personal data has been tampered with or your real name and identity cannot be verified normally.

In most cases, users will choose to apply for personal housing loans from banks when buying real estate, so as to achieve the purpose of buying a house. The threshold for banks to apply for personal housing loans is relatively high, which not only requires users' personal credit information, but also requires users to have strong repayment ability. After a series of audits, the bank will invite users for face-to-face interviews. After the face-to-face signing is passed, the bank will inform the user to sign the contract, and then carry out the normal lending process.

First, face-to-face interviews are basically not rejected.

You can understand the personal housing loan interview as the last step of the audit process. Before the bank informed the user of the interview, the bank had conducted two rounds of audit on the user.

1 round audit is a preliminary inspection of the system. In this way, banks will inquire about users' personal credit information and liabilities, and simply evaluate users' credit rating in this way.

The second round of audit is manual audit, which will strictly audit the user's funding channels and income. In the case of ensuring that there is no problem with users' personal credit information, banks also require users to have strong repayment ability and stable income. After that, the bank will invite users to face-to-face interviews, which means that the bank has officially passed all the audits of users.

Second, the user's own information needs to be considered during the interview.

This information problem is mainly divided into three aspects:

1. If the user's credit status changes during and after the audit, and the user has malicious overdue behavior or fraudulent behavior, the user's loan application will be rejected.

2. The second situation is that the user's own information has changed. If the information applied by the user does not match the actual information of the user, the bank will terminate the approval process.

3. The third situation involves the user's real name identity. If the user's real name and identity do not match, the bank will not apply for a mortgage through the user.

To sum up, I hope this answer can help you.

Dry goods sharing: the mortgage interview passed, is the probability of rejection high?

; ? When buyers go to the bank to apply for a mortgage, there will definitely be a face-to-face signing. Face-to-face signing is an important link for banks to evaluate the qualifications of borrowers and consider whether to lend to borrowers. You need to pay attention to many problems when signing a loan face to face.

Is the probability of rejection high if the mortgage interview is passed?

After the face-to-face signing of buyers is passed, the probability of being rejected for loan approval is very low. In most cases, when the buyers sign in person, they will sign a good mortgage contract with the bank. Some banks may not fill in the mortgage interest rate, repayment date and other contents, but the contract is still legally binding.

But it does not mean that the face-to-face signing is passed, and the mortgage must be approved successfully. Because the bank has a face-to-face signing link, it is mainly to re-evaluate the comprehensive qualifications of borrowers. After passing, the bank may also inquire about the borrower's personal credit information for the second time. If the borrower's credit information changes at this time, the bank may refuse the loan.

If there is no accident, the bank will lend money in about 15 working days after the borrower's face-to-face signing is passed. If the bank loan amount is insufficient or affected by the policy, it may take 2-3 months, and the specific time should be determined by consulting the lending bank.

If the lender receives the loan notice, but does not receive the loan, don't worry, you can call the bank clerk. Under normal circumstances, loan approval will be postponed during holidays. If it is at the peak of bank loan business, then the bank will be in a state of insufficient loan funds, even if it is face-to-face, it needs to wait in line for loans.

The above is "mortgage interview passed, is the probability of rejection high?" I hope I can help you!