1. Telephone inquiries:
Dial the customer service phone number of the lending bank and make inquiries through human customer service. At the same time, the borrower can also contact the account manager of the lending bank's branch to inquire about the progress.
2, the bank's official website or bank APP query:
Borrowers can log on to the official website of the lending bank or APP query, and find the progress of the loan in the function column to make inquiries.
3, counter inquiry:
Bring your own valid ID, go to the business branch of the lending bank and inquire about the progress at the counter.
How long does it take for a mortgage to be approved and disbursed?
Individuals for home mortgage loans, different banks or different home loans, the release time is not the same. Housing loan disbursement time is mainly divided into:
1, housing fund loan disbursement slower. Individuals for home mortgage loans, because of the low interest rate of personal housing fund loans, many people like to apply for this kind of loan to buy a house. However, at the same time, the disbursement time of this kind of housing loan is slow, usually need to wait for about 1-2 months before disbursement. If it is slower, some areas have to wait for 6 months.
2. Commercial home mortgage loans are about 1 month. Most applications for home mortgage loans are for commercial loans from banks, and the disbursement time for this type of loan is a little faster compared to that of a housing fund loan. The disbursement time for many banks is currently around 1 month. Some banks have even shorter disbursement time.
3. If you want the bank to release the money faster, you can release the money with the receipt of receipt, and the money can be released in 3 working days after the transfer. Need to pay 400 yuan guarantee fee. If you want to release money by its certificate, it usually takes 15 to 22 working days to get the certificate of production, and the bank will release money after 3 to 5 working days after getting the certificate of production.
Required materials for home loans:
Generally speaking, you need ID cards, household registration, marriage documents, proof of income, salary flow and so on. It is understood that some local commercial banks do not accept individuals directly to the bank to apply for personal mortgage, are by the intermediary or some professional organizations directly and the bank docking, by its unified centralized processing. As for provident fund loans, or combination of loan specific procedures, you can directly consult the local housing fund management center.