With the macro-control of the real estate market by the state, house prices tend to be stable in recent years, which has hit many real estate speculators. But for most ordinary families, it is essential to apply for a mortgage in the bank if they want to buy a house. A friend asked to apply for a loan, but the Bank of China has been showing that it is under approval. When can I pay?

The Bank of China has been under examination and approval. When can we pay?

When the lender inquires about the loan progress, it is found that the loan progress is being approved, which does not mean that the loan has been approved, but that the loan bank is already reviewing the loan request. It means that banks are examining the qualifications of lenders from many aspects.

Generally speaking, it takes about 15-30 working days for the lender to get the result after submitting the loan application in China Bank. In addition to the results, the bank will also contact the lender by SMS or telephone to inform the result. Lenders can also make inquiries in the application. If the loan progress shows "Pass", it means that the mortgage approval has passed the preliminary examination.

After the mortgage is approved in the first instance, the bank will also inform the lender of the time for face-to-face signing. The mortgage application will not be really approved until the face-to-face signing is passed. After the lender receives the notice of face-to-face signing, China Bank will generally release the loan within 30 working days.

If the lender has been waiting for 1 month and the bank has not released the loan, the lender can call the bank's customer service for details. If the bank's loan amount is insufficient in the current month and there are any new policy changes, it may also delay lending.

The above is the sharing of "China Bank has been approving", hoping to help everyone!