However, after the mortgage is approved, it will not be released immediately, and most of them will have to wait for some time. If you don't lend, you must not apply for any consumer loans, and credit cards should not be used in large quantities, so as not to affect lending.
How long can the mortgage be granted?
After the mortgage is approved, the bank will generally lend money within 1 month. If the loan information submitted by the lender passes the examination, the lender needs to pay attention to the notice of the bank, go to the bank to handle relevant business after receiving the notice, and wait for the bank to lend money.
However, when the bank lends money is also related to the loan method chosen by the lender and whether the bank loan amount is sufficient. For example, if the lender chooses a portfolio loan, even if it is approved by the bank, it still has to wait for the audit result of the provident fund center before applying for a mortgage. After the loan is made in the provident fund center, the bank will lend money.
In addition, if the current credit line of the lending bank is insufficient, the loan will not be decentralized until the bank has sufficient credit line, which takes longer than normal.
After the loan is decentralized, the lender should remember to repay the mortgage in full and on time to avoid personal credit damage. Too many overdue times, the bank has the right to terminate the loan contract in advance.
However, different banks, different time periods and approval time are different, so the specific situation should be subject to the regulations of the handling bank you choose. Generally speaking, the following two factors will also affect the approval time of bank loans:
1. Is the loan information submitted by the borrower complete?
If the borrower can't submit the complete loan information at one time, it will have to be reissued several times, which will affect the time for mortgage approval.
2. Is the bank credit line tight?
This is an important factor affecting the approval of mortgage loans. Generally speaking, by the end of the year, the bank's credit line is relatively tight, so the approval time of mortgage will also be affected. Moreover, even if the mortgage is approved, you can't get the loan immediately, so Bian Xiao reminded the borrower that before handling the loan, you must find out the bank loan situation to avoid causing trouble.