For a long time, policies and topics related to mortgage loans will be hotly debated. In China, buying a house has always been a big event. Many friends work hard to make money, in order to save the down payment. At the beginning of this year, it was reported that the mortgage of 202 1 was suspended. Is it true?/You don't say. 202 1 when is the lending time of the mortgage bank?

Is it true that the mortgage stopped at 202 1?

202 1 If the mortgage has not stopped, you can still go through the relevant housing loan procedures. The suspension of mortgage loans mentioned here is actually a real slowdown or suspension of mortgage loans by banks. The main purpose is to curb housing prices and regulate the property market through these means, not to say that the housing loan business has stopped.

If banks stop mortgage business, it will have a great impact on housing prices and may be halved. Moreover, the upstream and downstream industrial chain of real estate is very long, involving many industries, and the downturn of real estate industry will directly affect the development of upstream and downstream related industries.

Lending time of mortgage bank in 202 1 year

The lending time of general banks will be within 15 working days. If there is a small holiday or a problem with the credit information of the lender during this period, the loan time of major banks will basically be extended due to the influence of the 2026 policy, 5438+0. If the lender successfully applied for a loan years ago, it will also lend money within 65,438+0-2 months.

Additional: How to urge banks to lend money as soon as possible?

If you want the bank to lend money immediately, the user must first complete the data preparation and cooperate with the whole process of audit. Secondly, you should apply when the bank loan is relatively loose. Don't get together at the end of the year or when there are many other applicants, so the whole process can save a lot of time.

In addition, users should maintain good qualifications, otherwise, if users have many risk points, auditors will focus on verification, which also takes time. Bank loans sometimes follow the principle of giving priority to quality customers.

202 1 is it true to stop mortgage loans? 202 1 all the contents of the loan time of the mortgage bank have been brought to you. Nowadays, the country's restrictions on issuing mortgage loans are becoming more and more strict. Before you get a loan, you must first understand the latest loan policy. For more latest information about buying a house, you can continue to follow us for details.