There are some differences in mortgage approval among different banks and regions. Generally speaking, it takes about 1 month from the submission of the application to the bank loan.

The examination and approval of bank mortgage should first be based on pre-examination of credit information, and then submit personal information, including personal credit authorization, down payment ticket, house purchase contract, ID card, household registration book, marriage certificate, etc. After submitting the information, the staff should strictly review the user information, which takes a long time, usually more than half a month; After the materials are qualified, notify the user to sign the loan contract, determine the loan matters, and then go through all the formalities such as real estate mortgage, which takes at least 1 week; Moreover, after the approval is successful, it does not mean that the loan will be released immediately. If the amount of bank mortgage is sufficient, it will be extended as soon as one month, and it will take longer if the amount is tight.

If the user chooses a portfolio loan, it will take longer for the bank to wait for the approval result of the provident fund center after approval.

Pay attention to personal credit and don't blindly apply for loans. Otherwise, once big data is spent, it will be rejected because the comprehensive score is not enough. Get a big data report in "Sixi Data" and clearly understand your situation in online loan big data. The database cooperates with more than 2,000 online lending platforms, and the query data is accurate and complete. You also need to pay attention to personal credit.

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Why is the mortgage not automatically deducted on the repayment date?

If the mortgage is not automatically deducted on the repayment date, it is likely to be caused by the following reasons.

1. There is no balance in the repayment bank card or the balance is insufficient, so the banking system naturally cannot deduct money.

2. The repayment bank card has abnormal status, such as freezing, loss reporting, expiration, etc. In this way, the banking system naturally cannot deduct money successfully.

If you find that the bank has not automatically deducted money, you must contact the bank to find out the reason and repay it manually in time, so as to avoid missing the repayment time, causing overdue and affecting personal credit.

In fact, you should pay more attention to the fund movement and status of the card. If insufficient funds or abnormal cards are found, they should be dealt with in time without affecting the mortgage repayment.

It should also be noted that if the provident fund hedging loan repayment business is handled, it will not be directly deducted from the bank card, so don't worry if you find that the money in the card has not been deducted, because the system will deduct the balance from the provident fund account for repayment. If the balance of the provident fund account is insufficient, money will be deducted from the repayment bank card.