Second-hand housing loans can check the progress of bank lending. Usually, banks will review the loans applied by property buyers, which will generally be carried out in accordance with the bank's approval process. Property buyers can check the progress if they want to know about the approval.

Query method of approval progress:

1. Telephone inquiry: customers call customer service, and relevant departments will provide consulting services to inform you of the loan progress;

2. official website Inquiry: Generally, bank lending institutions will have official website, and you can enter the relevant information you need on the website for inquiry;

3. Counter inquiry: you can hold your ID card and loan bank card and go directly to the counter of the bank or lending institution for inquiry;

4. Contact the account manager: there will be a service account manager when signing the loan contract, and you can ask the account manager for help if you have any questions;

5, app query: Now the mobile App is still very convenient, and you can also check the progress by logging in to the bank or loan institution App.

Reasons for the failure of second-hand housing loan

1. Some cities have time restrictions on the listing and trading of second-hand houses. Do not meet the trading standards, can not pass the loan review;

2. Incomplete certificates of purchased second-hand houses, such as resettlement houses, public property houses and small property houses without real estate licenses;

3. The house does not meet the mortgage standard, such as the house has been sealed up or will be demolished soon;

The house is too old to meet the loan requirements. Under normal circumstances, the age of second-hand houses should not exceed 20 years, and a few banks require it not to exceed 15 years;

5. Personal credit does not meet the requirements of bank credit rating;

6. The personal information provided is incomplete, or the bank thinks that the personal information is falsely reported or concealed;

7. Personal debt is relatively high or the loan amount is large. After bank evaluation, the borrower's income cannot guarantee timely and full repayment.

Solutions to unsuccessful second-hand housing loans

1. Five-certificate house purchase, namely: construction land planning permit, construction project planning permit, building construction permit, state-owned land use permit and commercial housing sales (pre-sale) permit;

2. Try to pay off the debts of other financial institutions before the loan to reduce the pressure of personal repayment;

3. Apply for a reasonable loan amount according to your income level, and the monthly repayment amount is generally less than half of your monthly income;

4. The personal information provided should be true and complete, and cannot be faked.