There are many ways to inquire about the progress of ICBC's mortgage approval. You can check online through mobile banking or online banking, or you can check the progress of mortgage approval through offline channels.
1 offline inquiry: users can check the progress of loan approval at the counter of ICBC outlets with their personal ID cards, or directly contact the account manager for consultation when handling mortgage loans.
2 Online Banking Inquiry: Users need to log in to ICBC's online banking and select Favorites-Loan-My Loan-Loan Application Result Inquiry to inquire about personal mortgage approval.
3 Mobile Banking Inquiry: Log in to ICBC Mobile Banking and select Favorites-Loans-My Loans-Inquire about the loan application results and the loan approval progress.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee.
After passing the examination, the bank promised to issue loans to property buyers.
And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.
Basic introduction
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10.
In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.
Special policy
With no one in the house, the monthly payment will continue.
If the house is unoccupied, according to the Contract Law and other laws and the mortgage loan contract signed by the borrower and the loan bank, the borrower is still obliged to pay off the outstanding loan principal and interest. In other words, if the house falls down, the monthly payment of the house will continue to be paid.
Loans are the relationship between banks and borrowers, and houses are collateral and supplements. Therefore, the loss of the house cannot be used as a reason to stop the monthly payment.
If the relevant property insurance has not been purchased before, the house is damaged and no insurance has been purchased, the owner of the house can only bear the losses caused by the damage to the house. However, from the perspective of government assistance, the government usually gives certain compensation to the affected people, so that they can properly resettle and rebuild their homes.
When people leave, the house becomes an inheritance.
In this case, if a person dies and the property is still there, according to the relevant provisions of the inheritance law, the property will be incorporated into the person's estate. First, the heir will use this person's legacy to pay off this person's pre-life debts (including mortgage loans and other debts, of course).
However, the repayment of debts is limited to the actual value of the person's estate, and there is no legal basis for "father's debt to son". Of course, the law does not prohibit heirs from voluntarily repaying debts that exceed the actual value of the estate.
How to check the loan progress through ICBC mobile banking
According to the following process, you can check your loan approval progress:
1. You can log in to personal mobile banking with your mobile account and open the China Industrial and Commercial Bank APP.
2. After entering the mobile banking interface, select the function Favorites-Loan-My Loan-Query Loan Application Result to query.
Operating environment:
Xiaomi MIUI 1 1
Version 6. 1
Other ways to query the loan progress of ICBC are as follows:
1, online query
Users can log in to ICBC official website to check the loan progress according to the prompts.
2. Telephone enquiry
The borrower can directly contact the credit manager who handles the loan business for you to understand the approval progress. You can also call 95588, press "9" after the connection, and ask the customer service staff of ICBC to check the application progress for you.
3. Counter inquiry
The borrower can check the loan progress at the business counter with the loan-related documents and his ID card.
China Industrial and Commercial Bank Loan Process
1. Fill in the application for residential mortgage and submit the following supporting documents from the bank: ID card, household registration book, marriage certificate, house bank running list.
2. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
3. The borrower shall go through the mortgage registration formalities at the bank with the real estate license of the mortgaged property.
4. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
5. After the loan contract is signed and notarized, the bank will transfer the loan to the borrower.
According to different classification standards, there are many types of bank loans. For example:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to the loan scale, it can be divided into wholesale loans and retail loans;
3. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
6. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
How to inquire about the loan information handled by ICBC?
The inquiry method of loan information handled by ICBC is as follows:
1. Open the ICBC app and click the place indicated by the arrow in the upper right corner of the page.
2. Next, click Login.
3. After logging in, click Loan.
4. After entering the loan page, click My Loan.
You can see your loan information on the next page.
How to inquire about the mortgage progress of ICBC?
1. To download the APP menu of ICBC, you can query the correct information. Download the ICBC client in the application market first.
2. After the installation is completed, log in to your reserved mobile phone account name.
3. Click "My Account" on the homepage after logging in.
4. Find the "My Loan" point at the top, as shown in the figure below.
5. The personal loan business has not been processed, indicating that the application is being processed or the bank staff has not submitted it at all. At this point, please check the application results and click Enter. By default, the last month is selected and queried.
6. You can select the date of loan inquiry, as shown in the figure below.
7. If it has been accepted, it shows that the survey is under approval. For example, "individual first-hand housing purchase loan" will contain detailed information and trends, as shown in the figure below.
Extended data
The loan has been approved, but the loan has not been released. Reason:
1. Although the loan has been approved, there are problems in the process of lending, so I can't lend you money. At this time, you need to communicate with the staff in time.
2. No bank card. Only after the bank card is bound, the borrowing institution will lend money. This is the most basic thing for everyone to remember.
3. The speed of appropriation is a bit slow, and the speed at which each institution issues loans is different. Just wait patiently!
In any of the following circumstances, the borrower shall not issue loans:
1, which does not meet the qualifications and conditions specified in Article 17 of Chapter IV of these General Rules;
2, production, operation or investment in products and projects prohibited by the state;
3, in violation of the provisions of the state administration of foreign exchange;
4, the construction project according to the provisions of the state shall be reported to the relevant departments for approval without obtaining the approval documents;
5, production and operation or investment projects without the permission of the environmental protection department;
6. In the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, and shareholding system reform. , the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided.