[1] Personal online banking

Log in to personal online banking, click Loan, click Loan Query, and click Loan Application Progress Query;

[2] Mobile banking

Log in to your mobile banking-click on the loan and click on the application progress query to verify the application progress of the loan;

[3] outlets

Call in person or bring your ID card to the branch that applied for the loan for detailed consultation and check the progress.

The time required for loan approval varies from region to region. After the Bank of Communications applies for a loan and enters the examination and approval process, it can use the above methods to make inquiries.

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First, the Bank of Communications real estate mortgage loan application conditions

1. What needs to be emphasized here is the ownership of real estate. First of all, your property must be a property without ownership disputes. You can apply for a mortgage loan, whether it is a property under your own name, or a property under another name jointly with others. But there is a premise, that is, there must be a written signature of the property owner agreeing to mortgage, and the bank will agree.

2. Generally, mortgage loans for first-hand houses require that the age of the house should not exceed 20 years, and the age of the house plus the loan period should not exceed 40 years. The longest loan period can be divided into three situations: the longest personal housing loan is 30 years, the longest consumer property mortgage loan is 65,438+00 years, and the longest operating property mortgage loan is 5 years.

3. If the second-hand house is mortgaged, the requirements for the age of the house will be stricter. /kloc-in principle, you can apply for mortgage loans for second-hand houses within 0/5 of the age. But in fact, the loanable amount of second-hand houses in 15 years is not so high, and the term and interest rate are not so cost-effective.

Second, the Bank of Communications real estate mortgage loan processing flow

1, the mortgage loan needs to be prepared, including the husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or bank statement of personal account in the last six months.

2. When the house is mortgaged, the bank will review the borrower's loan application, house purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

3. After the contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

4. Husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or evidence, and bank statement of personal account for nearly half a year.

Three, Bank of Communications real estate mortgage loan application materials

1, personal credit line application form;

2. The identity certificate, household registration certificate and marital status certificate of the borrower and spouse;

3. Proof of stable economic income of the borrower and spouse;

4. Mortgaged or pledged materials, such as real estate property certificates and certificates of deposit. , if other people's assets are used as collateral/pledge, the identity certificate, household registration certificate and marital status certificate of the owner and spouse shall also be provided;

5. Other materials required by the bank.