It is normal that the mortgage has not been released for half a year, but the lender needs to consult the bank to determine the specific reasons for not lending. When applying for a bank loan, the bank does not lend money immediately after approval. Specifically, it depends on the looseness of bank funds and the spot check by the regulatory authorities. Most banks can successfully lend money in about two months. If they don't lend money for more than two months, the lender needs to consult the bank to determine the specific reasons.

The process of mortgage approval and loan

1. The loan applicant shall provide the loan application form and loan materials.

Lenders must prepare loan materials and loan application forms before applying for housing loans. If you don't know what loan materials must be prepared in advance, you can ask the bank for the information when you get the loan application form from the bank. General loan materials must be marriage certificate, identity document, household registration book, personal income certificate, bank account and identity document of the other half. (It is best to consult by yourself, subject to the bank's response)

Second, the account manager input system software.

After the loan applicant submits the loan application form and loan materials to the bank account manager, the bank account manager should first review your materials to see if the materials you prepared in advance are complete. If it is not complete, they will ask you to prepare in advance and apply safely.

Then, they will determine the repayment method and the annual interest rate of the loan with you and sign a personal credit authorization certificate with you. Then, they will know your personal credit situation according to your personal credit report. Generally, those with serious and poor personal credit reports will give you a bank loan immediately, while those with mild loans overdue records will decide whether you need to drive according to the loan situation at all levels of the bank.

After the account manager reviews, they must input your information into the system software and submit it through the scanner. It will take a long time for them to input your information into the system software, because it is unlikely that each account manager will have only one customer, and each account manager will probably have to deal with dozens of customers at the same time. After entering your bank credit materials into the system software, they will submit your credit materials from the system software to leading cadres for verification.

Third, the risk control unit checks.

After the account manager submits your materials from the system software to the leading cadres for review, your materials will enter the risk control unit. At this moment, it is not easy for the risk control unit to check your qualification certificate in detail. But generally speaking, they will know how your personal credit record is and whether the valid documents submitted are complete.

Fourth, the approver approves.

There will be a group of people in the bank who are professional in approving housing loans. They will review the employees' work. If they find any problems during the whole re-inspection, most of your housing loans can already have a clear basis.

5. The next payment from the bank.

After the approval, the account manager will inform you to go to the bank for face-to-face signing and go through other pledge procedures. Then, you can go home and wait for the next payment. After the next payment, you must gradually repay the housing loan every month.