1. First of all, we should communicate with the bank to inquire about the progress of lending, find out whether the reason for the delay in lending is the slow approval of the bank or the problem of its own data, and see if the bank can lend money in time; 2. If the communication fails and the loan has been approved but not released, it can be inquired through reasonable and legal channels. If the mortgage is delayed, it will seriously affect the purchase transaction and lead to default. Now let's analyze this problem. Generally speaking, the following three situations will lead to this problem: when borrowing money, it will be intercepted; The bank card is not bound, and the money cannot reach the user account; The lending speed of loans is relatively slow. 1, the loan was intercepted. In real life, have you ever encountered such a situation: when you clearly approved the mortgage application, you were intercepted while lending? Generally speaking, the process of loan approval is divided into two steps: appropriation and lending. Therefore, if the mortgage is approved but the loan is not repaid, you need to directly call the customer service phone of the institution applying for the loan and consult the relevant customer service personnel. 2. If there is no bank card, money can't reach the user's account. When you apply for a house loan, the bank will often ask you to provide a bank card for the loan. Therefore, in the face of unbound bank cards, you can generally check your loan application process first. At present, many loans applied online are made and repaid through bank cards. If you don't have a bank card, the lending institution can't lend you money. 3. The lending speed of loans is relatively slow. First of all, it is necessary to find out whether the slow lending rate is due to bank policies. Due to the tightening of mortgage policy, it is normal for loans to slow down. If it is not a bank policy issue, it may be different from banking institutions, because each institution issues loans at a different speed. I hope the above content can help you.

Second, what should I do if the bank delays the loan?

It depends on the borrower's application for a loan. If it is a mortgage loan, it usually takes a long time. If released, the borrower can provide effective evidence for it.

3. What should I do if the bank drags on the loan?

Report to the bank in time.

The above comments are for reference only.