Can't borrow it.
1. The loan approval letter is called the approval opinion form in the bank and the bank approval letter in the industry, which means that the bank has approved the customer's request through approval and allowed to accept the customer's application. According to the current industry practice, the possibility of lending after the approval letter is issued is generally above 95%, so many people also regard the approval letter as the bank's lending permission.
2. The bank examines the buyer's information, confirms that the buyer's qualification meets the loan conditions, and issues a certificate indicating that he will get a loan. As the seller, you must confirm that you can see the loan approval letter issued by the bank before you can transfer ownership. This is because if the ownership of the house is transferred in advance, but if the buyer's information is not approved, your final payment may not be recovered.
After the loan is approved, the bank will give you a loan approval letter with an expiration date. If you don't give the loan approval letter, you can ask for it at the bank. The loan approval letter from Beijing General Bank is valid for 45 days. If the transaction fails, it will not affect future loans.
2. The loan letter has been approved and found to be false. Do you still pay the loan?
Can't borrow it.
1. The loan approval letter is called the approval opinion form in the bank and the bank approval letter in the industry, which means that the bank has approved the application. According to the current industry practice, there is generally more than 95% possibility of lending money after sending a reply, so many people also regard the reply as silver.
2. The bank examines the buyer's information, confirms that the buyer's qualification meets the loan conditions, and issues a certificate indicating that he will get a loan. As the seller, you must confirm that you can see the loan approval letter issued by the bank before you can transfer ownership. This is because if the ownership of the house is transferred in advance, but how to check the buyer's information fails, then
3. After the loan is approved, the loan approval letter is valid. If you don't give the loan approval letter, you can ask for it at the bank. The loan approval letter from Beijing General Bank is valid for 45 loans.
3. Credit card approval and loan approval appear in the credit report. Does this affect the mortgage?
Mortgage mainly depends on whether your personal credit information is overdue and whether your repayment ability is guaranteed. Other conditions have little effect. I. Credit Report Credit report refers to the personal credit report issued by the basic database of personal credit information of the People's Bank of China. Used to query the social credit of individuals or enterprises. The report includes the following two aspects: 1, basic information, namely personal identity information, occupation information, marriage information, contact information, etc. 2. Credit information, that is, loan information, credit card information, litigation related information, etc. There are two main ways to query credit reports: on-site query and online query. For on-site inquiry, you need to bring your ID card to the credit information window of the branches of the People's Bank of China, and individuals can also inquire through the bank credit information self-service inquiry machine; For online inquiry, you can log in to the Credit Information Service Website of China People's Bank for inquiry. Second, credit card approval is something that banks are still doing. Without the final approval result, the approval time of each bank will be different. Take the CCB credit card I used as an example. The general approval time does not exceed 20-25 working days. If there is no approval result for a long time, you can contact the bank customer service hotline, and the customer service can give you further verification. Third, whether the credit card approval of the credit report affects the mortgage has different effects. Mortgage mainly depends on whether your personal credit information is overdue and whether your repayment ability is guaranteed. Other conditions have little effect. If your credit card approval and loan approval fail, there is no debt, which basically has no effect. If your credit card and loan have been approved and are in use, there are two situations: if the repayment record is good and not overdue, although you have incurred liabilities, if the liabilities are within a reasonable range, it will not affect the mortgage loan, or even have a good impact, which is the embodiment of your personal good credit. If you don't repay the loan on time, you have an overdue record and your debt is large, which will have a great impact on the mortgage loan and you can refuse it directly.