Why don't you lend money when the bank loan is approved?

Nowadays, many people often deal with loans, such as mortgages and car loans, and finally wait until the loans are approved, waiting for the bank to lend money with great joy, but they have not waited for a long time. In fact, there are many factors that affect the loan. Let's take a look.

Why don't you lend money when the loan is approved?

The status of the bank card provided by 1. is abnormal.

Loan lenders need to provide bank cards. If the bank card is lost in the process of lending, the lender will report the loss and reissue it later, and the original bank card will definitely not receive the repayment normally. In this case, it is recommended to contact the lending institution in time to modify the bank card information before lending.

2. The second audit failed.

For example, although many banks have approved mortgages and car loans, they will also check the lender's credit information before lending, mainly whether there are large new liabilities and whether they have borrowed consumer loans. After the loan is approved, people often borrow white gold bars. Once banks find these consumer loans useful, there is a 90% chance that they will refuse to lend directly.

3. Working day loans

Often some lending institutions do not lend money on weekends, but will lend money on working days after loan approval. If there are holidays, the lending time will be postponed, which requires everyone to be more patient and wait slowly. Or call directly after the loan review to inquire about the approximate lending time.

4. The amount of the lending institution is insufficient.

For example, at the end of each year, mortgages and car loans have to wait for a long time, largely because the loan amount is not enough. After all, banks will have to recover their loans at the end of the year, and there will certainly not be so many loans. Generally, you can't lend money until after the Chinese New Year.

Why don't banks issue loans directly but through trusts?

Banks do not issue loans directly, but through trusts. The main reasons are as follows:

1. If an enterprise applies for a loan in a bank, the bank will conduct a strict credit review of the enterprise and evaluate its assets, liabilities and cash flow. If the enterprise's finance is not up to standard, it is difficult to successfully apply for a loan in the bank. If you pass the trust company, the audit will be slightly relaxed;

2. Trust companies are usually more efficient than banks;

3. Sometimes enterprises need more financing methods. For example, if the enterprise's credit line in the bank has been used up and still cannot meet the financing needs of funds, then it needs to raise funds through other channels, and trust companies are one of them.

After the approval of bank loan procedures is completed, what should the bank do if it says there is no quota but it is delayed in lending?

After the contract is signed, the bank will start issuing loans in the middle of this month.

If the loan is delayed, the solution:

First communicate with the bank's credit manager, explain the situation, and ask him to communicate with his peers to help apply for a loan line. No matter how tight the quota is, there will be a reserve for the borrower, and the communication process must be polite.

If the above methods cannot be solved, it is recommended to apply for a loan from another bank. However, loans from existing banks will not be cancelled.

If the buyer signed a loan and mortgage loan with the bank, but the bank failed to issue the loan on time, then the buyer can ask the bank to bear the liability for breach of contract according to the loan after assuming the liability for breach of contract.

According to Article 23 of the Supreme People's Law "Provisions on Several Issues Concerning the Application of Laws in Dealing with Commercial Housing Sales":

If the buyer agrees to pay the secured loan, the party who has not entered the secured loan of commercial housing and the other party who has not continued the commercial housing transaction may request cancellation and compensate for the losses.

Extended data:

Bank loan process:

First, prepare the borrower's ID card and household registration book.

Second, prepare a marriage certificate. If unmarried, provide proof of unmarried; Provide marriage certificate or divorce certificate when getting married. If you are married and not divorced, you need to prepare your spouse's ID card, marriage certificate and household registration book.

Third, the income of the borrower.

Four, the guarantor's identity certificate, household registration book, marriage certificate (unmarried) and the borrower's property certificate.