Moreover, the mortgage process itself is more complicated, and the loan funds will not be issued immediately.
Under normal circumstances, the loan will be released within 1 to 2 months after approval, but if the banking business is busy and the funds are tight, it may take 3 to 5 months or even longer.
It should also be noted that the state has also strengthened its control over the real estate market, so many banks have tightened their mortgage loans, which is also one of the reasons for the slow lending (the central bank and the China Banking Regulatory Commission issued the Notice on Establishing a Management System for the Concentration of Real Estate Loans in Banking Financial Institutions, which set the upper limit of real estate loans and the upper limit of personal housing loans).
We can only wait patiently for this.
For example, people who apply for mortgages at the end of the year, due to the general shortage of bank funds at the end of the year and the year-end settlement of banks, many of them wait until the end of the new year and receive loan funds at the beginning of the following year.
Generally speaking, people use the credit records of the central bank, which will leave traces after the inquiry. This situation is not good for friends who borrow money. In addition, most online loans have no credit records, so it is impossible to know the credit information in detail. However, personal data can be obtained through "balloon inquiry", including inquiry records, overdue information of online loans, application records, untrustworthy information and blacklist of online loans, but there is no inquiry record.
Extended data:
Can the provident fund be sealed to buy a house for a loan?
If the housing provident fund is sealed, you can't apply for a provident fund loan to buy a house, because you can only apply for a provident fund loan if the housing provident fund account is in a normal deposit state.
However, although the provident fund loan cannot be done, you can apply for a commercial loan to buy a house.
As long as the personal credit is good, there is no bad record in the credit report; And have a stable and legitimate source of economic income and the ability to repay the loan principal and interest on time.
Of course, the interest rate of commercial loans is higher than that of provident fund loans, and naturally it is not as favorable as provident fund loans.
However, you can also rest assured that after the opening of the housing provident fund account, you can also handle the business of transferring households.
Of course, commercial-to-public business can only be applied after one year of repayment of commercial loans, and it must be guaranteed that the credit record is good, no overdue behavior has occurred, and the housing provident fund has been paid in full and on time for six consecutive months, and no provident fund loans have been processed or settled under its name.