2, in the bank APP query, at present the major banks have APP, so the borrower can directly in the above query mortgage approval progress.
3, call to check. Borrowers can directly call the bank's phone number and ask about the processing progress.
What is the process of home loan
The application process of home loan is mainly the application materials, and then the bank will accept the approval, and then the loan can be issued.
1, submit the application and materials. When you have signed the contract of sale and purchase of the house you can apply to the bank for a commercial loan. Whether it is a first-hand home loan or a second-hand home loan, you have to submit your application materials to the bank account manager responsible for home loan processing business. Whether or not the materials are submitted are complete, this is the most important step in the commercial loan process.
2, the bank acceptance survey. After receiving your loan application materials, commercial banks will review your materials. During the period of bank acceptance investigation, you will be asked to add some information according to the situation, so you'd better reduce your business trip and keep in touch with the bank during this period.
3, the bank to verify the approval. Mainly for some several aspects of verification: the situation of the house (there are restrictions on the age of the house, generally more than 20 years of the house, will not be issued a loan), the borrower's qualifications (personal credit in whether there is a bad record as well as whether there is the ability to repay the loan). This step is the most critical step in the commercial loan process, if you have bad credit will directly lead to the failure of the loan application, so the usual accumulation of personal credit is very important. Both parties to handle the relevant formalities.
After the bank notifies you of the loan approval, you have to open an account at that bank, receive a savings card and sign a loan contract. At the same time, for mortgage, guarantee, pledge and insurance and other related security procedures. It is worth noting here that you must understand the details in the contract in detail when signing the contract and going through the guarantee formalities, and make clear your rights and obligations to avoid unnecessary conflicts.
4, the bank issued the loan bank will be loan finance issued to the developer account, the bank or developer to notify you to collect the relevant documents, and in accordance with the provisions of the loan repayment. It is worth noting that you receive the loan contract, repayment details and repayment account card, in accordance with the specified date to start repaying the loan.