2. Inquiry in official website: Generally, banks or other lending institutions have their own official website. You can inquire about the progress of loan approval in official website. You can enter your own account, find the loan progress query in the function bar, and then click Query to know your loan approval progress.
3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards to the bank counter or the lobby of other lending institutions for inquiry, which is also a very convenient way for staff to help you check the progress of loan approval.
4. Contact the account manager: When applying for a loan, the account manager usually negotiates, and the applicant can directly consult the account manager if he has any questions. So you can directly find the account manager who helped you with the loan, and ask him to help you check, so that you can know the progress of your loan approval quickly, which is also relatively simple and convenient.
5.APP query: Now many banks and some lending institutions have their own APPs, and there will also be a loan progress query column in the app. Click Query directly to check their loan approval progress through app.
What is the process of buying a house with a loan?
1.
Before buying a house, buyers should first understand whether they meet the local conditions for buying a house, especially those friends who want to buy a house in these big cities. If they are not qualified to buy a house locally, they can't apply for a loan to buy a house. Generally speaking, buyers with local hukou can buy the first suite locally, and some cities will require buyers with foreign hukou to pay social security.
2. Estimate the purchase funds
Buying a house with a loan is not just a down payment. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures. Before buying a house, everyone should think about what kind of house to buy, and know the down payment required for buying a house with a loan, but we must not ignore other expenses in the later period, such as taxes, maintenance funds, property fees and decoration fees.
3. Pay the down payment and sign the contract
Although most buyers will pay the deposit after choosing a house, the deposit is paid voluntarily, and buyers can choose not to pay the deposit. After the buyer chooses the house, it's time to pay the down payment and sign the contract. I believe everyone knows the importance of the purchase contract, so when signing the purchase contract, the buyer must pay attention to whether the content is perfect or controversial, including the division of responsibilities and handling methods for unexpected situations after delivery.
4. Go through the mortgage formalities
After the purchase contract is signed, the buyers can go to the bank for mortgage formalities with the information prepared in advance. Generally speaking, there are two kinds of mortgage loans: provident fund loans and commercial loans. If property buyers meet the conditions of provident fund loans, it is naturally good, and it can also save a lot of interest expenses. However, there are many restrictions on provident fund loans. If they don't meet the requirements, they don't have to force them Property buyers should choose their own way according to their actual situation.
5. House handover
If you buy an auction house, you usually have to wait a year or two to pick it up. If you buy an existing house, you can usually deliver it soon. When handing over the house, the buyer must carefully check every corner of the room, fill in the house inspection report item by item, and communicate with the developer in time when problems are found.