First of all, answer directly.
If the bank mortgage has not been lent, you can call the bank staff to find out what is going on.
Second, the specific analysis
If it is because the bank loan amount is tight, the loan funds have to be delayed. There is no way to solve this situation, so we can only wait patiently.
Of course, in order to avoid disputes arising from the delay in receiving money, real estate developers should also explain the situation to each other and communicate with each other to solve it.
If you really can't wait any longer, you can also choose to give up and then find another bank to re-apply for a mortgage.
However, it should be noted that if the latest credit problems affect the loan, it is necessary to prepare for the final mortgage approval. At that time, we must solve the existing problems, then maintain the credit and finally re-apply.
Of course, you can also choose to check out directly, but if the reason why the mortgage can't be done comes from you, you may have to pay a certain penalty for checking out.
When people use the central bank's credit records, they will leave traces of inquiry, which is not good for lending friends, and most online loans are not credit-seeking, so they can't find specific online loan information when they are credit-seeking, but now they can learn their personal data through the data of "Xiaoqi Credit Information", and at the same time, they can learn more information about overdue online loans, application records, untrustworthy information, online loan blacklists and so on without leaving traces.
Third, why can the mortgage be repaid in advance after one year?
The mortgage can only be repaid in advance after one year, because the mortgage contract stipulates that users can only apply for prepayment after one year.
Therefore, the user's repayment time is less than one year, and it is impossible to submit an application for early repayment.
As for the repayment after one year, the user needs to apply for prepayment one month in advance, and after the application is passed, the prepayment operation will be carried out according to the requirements of the bank.
In short, it is stipulated in the mortgage contract that the mortgage can be repaid in advance after one year, and the mortgage repayment must be strictly implemented in accordance with the contract.
What should I do if the bank lends money slowly?
The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended.
If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you. After the approval, the bank will not lend money immediately and need to sign a contract with you; After the contract is signed, CCB will issue loans according to the contract when conditions are met.
After collecting all the information, the bank submits it for internal examination and approval, and then goes to the housing management trading center for mortgage registration, which takes about 10 working days. After the trading center issues other warrants (real estate registration certificate issued by the city that implements real estate registration), the bank will lend money within 3 working days.
Extended data
In a difficult loan environment, buyers can also follow the trend. Although bank lending is generally tight this year, the total amount of lending is roughly the same as last year. As long as you master certain loan methods, you can also be comfortable on the road of loan.
Method 1: Apply for a loan at the beginning of the month to get enough loan amount.
This year, banks will no longer make "surprise" loans, but issue loans on a monthly basis, and buyers can try to submit loan applications at the beginning of each month. Generally speaking, the bank's quota at the beginning of the month will be more abundant. In terms of loans, banks also submit applications in sequence, so applying at the beginning of the month can shorten the time for obtaining loans appropriately.
Method 2: Obtain professional loan scheme through cooperation of guarantee institutions.
In addition to grasping the opportunity to apply for loans, property buyers can also cooperate with professional guarantee institutions. On the one hand, professional guarantee institutions have stable cooperative relations with many banks and rich and stable resources, which are much superior to buyers applying to banks alone, and have certain advantages in lending speed and interest rate.
Method 3: Flexible use of "interest rate" and clever use of commercial loan accumulation fund.
Because the interest rates of commercial loans and provident funds are different, the situation of lending and handling is also different. Property buyers can consult more banks, or they can skillfully use loans with low interest rate of provident fund to make loans. Since the maximum amount of provident fund loans is 800,000 yuan, the insufficient loans can also be made up by combining commercial loans with provident fund loans, so as to skillfully save loan interest.
Baidu encyclopedia? New loan regulations
How to apply for a long-term commercial loan in China Bank?
Reasons for the non-issuance of personal commercial housing loans in China Bank;
After you apply for a loan in China Bank, you need to approve the loan and complete the preconditions (such as mortgage registration) before you can lend money. Therefore, it is suggested that you directly contact the account manager of Bank of China to confirm the specific reasons for not lending, so as to deal with it as soon as possible.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
What should banks do if they delay lending on the grounds that there is no quota?
1. Communicate with the bank's credit manager, explain the situation, and ask him to communicate with his peers to help apply for a loan line. No matter how tight the quota is, there will be reservations, and the reserved quota will be reserved for borrowers who are particularly anxious.
2. Apply for a loan from another bank.
The line refers to the amount that the lender can borrow from the borrower without providing property guarantee. It usually means that a natural person borrows money from a bank, and the bank is willing to provide the highest amount of loans according to the credit status of the individual.
This amount will be determined unilaterally by the bank because of income, income, debt ratio, work content, company, company position, property and so on.
This kind of lending relationship is usually that banks lend money to natural persons. On the other hand, it is usually necessary for commercial organizations and transnational exchanges to lend money to organizations.
Because the credit line is an unsecured loan line, it is usually not too high, and this line will be determined according to the conditions provided by the borrower. This means that the borrower must have a higher credit line, and all the conditions of the borrower must be quite good, so that the lender will be willing to provide a higher loan line.
The application time of bank credit loan is related to many factors. The bank credit loan applied for is a credit loan, which has a fast review speed and can be obtained in about 5 working days.
Generally speaking, it takes about a week for a bank credit loan. Only when the credit information is good, enterprises and institutions go to work and the debt is very low can they apply for a bank loan. According to the situation of banks, some banks can apply for credit loans for a week or half a month before they can lend money.
Bank loan process: (operating environment: iPhone 12, iOS 14.6)
First, prepare the borrower's ID card and household registration book.
Second, prepare a marriage certificate. If unmarried, provide proof of unmarried; Provide marriage certificate or divorce certificate when getting married. If you are married and not divorced, you need to prepare your spouse's ID card, marriage certificate and household registration book.
Third, the income of the borrower.
Four, the guarantor's identity certificate, household registration book, marriage certificate (unmarried) and the borrower's property certificate.