Legal analysis: after applying for a mortgage, it will generally go through the approval process of 15 to 20 days, and the mortgage will generally go through 15 to 20 days. If your mortgage has not been approved for a long time, for example, some netizens say that they have not got a housing loan within 7 months, then it is likely that their qualifications are insufficient. Of course, this also needs the bank to remind. When the bank feels that you are not qualified, it should also send you text messages in various ways. At this time, you should stop waiting and fill in your information immediately.

Legal basis: Article 11 of the Interim Measures for Personal Loans shall meet the following conditions when applying for personal loans: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.