1. Under normal circumstances, branches and sub-branches have the power to approve loans. Branches have a certain limit, and those that exceed the limit will be reported to branches for approval.

2. The above contents are for your reference. Please refer to the actual business regulations. (HUAWEIGRA-CL 10, version number: GRA-6, system version number: em)

1. What is the approval process for bank mortgage?

1. Usually we go to the bank to apply for a mortgage. In addition to the account manager of the bank, we also need to inquire and print other auxiliary materials (such as the information system report of the untrustworthy person, personal risk rating list, etc.). ), and then write membership review-signature of the person in charge of the operating institution-credit review department of the branch.

2. Review by the credit review department. The credit review department will conduct a review after receiving the decision of the organization. If there are any questions or omissions that do not meet the requirements, send the materials back to the operating organization (generally not, the organization will review them first when submitting them). After the audit is completed, the opinions will be checked and submitted to the person in charge of the audit department for review.

3. recognition. The person in charge of the credit review department shall submit it to the leaders in charge of the branch for examination and approval. Normal leaders will pass it directly after seeing it, and rarely refuse it, usually within three days.

4 loans, approved by the leaders in charge, the examination department can issue a notice of approval, business households can hold relevant materials to the loan office.

Second, how to choose a mortgage bank?

1. Look at the mortgage interest rate. The interest rate is directly related to the mortgage interest expense. Since Taiwan Province's new mortgage policy, commercial banks have cancelled the preferential interest rate for housing loans from their own accounts, returned to the same period, implemented lower limit management, and implemented differentiated interest rates for housing loans.

2, look at an important choice of repayment, because the appropriate repayment method can not only save interest expenses, but also reduce repayment pressure. From the convenience of adjusting the repayment period and repayment amount, the repayment method that the lender should choose depends on the lender's stable monthly income.

3. Look at the interest rate adjustment method. At present, both borrowers and borrowers of bank mortgage interest rates are adjusted according to their business background or year, and fixed interest rates can also be adopted. Different banks choose different interest adjustment methods, and some implement the same interest adjustment method for all customers.

2. What does it mean that the mortgage bank has approved the developer's notice to wait for the loan?

To apply for personal housing loan in our bank, if the application materials submitted are complete, the examination and approval will take about 15 working days. Because it involves evaluation, mortgage registration and other links, each customer's situation will be different. The specific lending time can be directly confirmed by contacting the handling outlets or loan account managers.

3. What is the mortgage approval notice?

The mortgage approval notice is a written notice to the lender after approval. According to the inquiry, loan approval is a process in which the person in charge of credit business conducts "finding out facts, grasping policies and determining loans" according to the loan application and pre-loan investigation opinions within the prescribed approval authority. Working capital loans shall be subject to three-level examination and approval system. The leaders in charge are responsible for the decision-making of the loan issuance results. Identify the facts, that is, the approver re-examines the reasons and uses of loans provided by enterprises and loan personnel, and correctly identifies its nature. Grasp the policy, and finally decide whether to lend or not, whether to lend more or not, on the basis of ascertaining the facts and according to the credit policy determined by the state and higher-level banks. Determine the loan mainly to determine the loan amount, repayment period, interest rate and loan method.

Fourth, the mortgage procedures flow steps

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