The customer went to apply for a mortgage loan. After the loan contract is signed and the mortgage is completed, the bank will generally lend money within one month. If it is quick, it may receive funds within two weeks. Of course, sometimes things are delayed, and it may take two or three months to get the loan. Especially in the case of tight bank funds, some customers even waited for three months without lending money. For example, many customers apply for mortgages at the end of the year, which happens to meet with the bank's year-end settlement. Many of them are released after the New Year and at the beginning of the following year.

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans when granting housing loans to individual residents.

If the bank refuses to lend money, the customer can take the initiative to contact the bank customer service for consultation, ask what is going on, and remind the other party to lend money as soon as possible; And pay attention to negotiate with real estate developers, so as to avoid disputes due to delays in receiving the house payment. In addition, customers should pay attention to maintaining good personal credit before bank loans, so as to avoid the bank's second audit before loans, which will affect loans due to bad credit.

Mortgage housing loan actually refers to the variety of commercial housing that customers already have that can be listed and circulated with mortgage bank loans. Unlike second-hand housing loans and first-hand housing loans, customers already own real estate, not about to own it. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations, such as real estate speculation and stock speculation. It is required that mortgage housing loans should be earmarked for special purposes and be supervised by lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.