It's not normal that the mortgage has been approved for a month without news. According to the normal situation, there will be news about 15 days, and there will be no news for a month when the approval is tight. I suggest calling the bank to inquire about the loan.

Extended data:

How long will the mortgage be approved?

1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to apply for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.

2. Commercial housing mortgage loan is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.

What factors will affect the mortgage approval?

1, personal credit information

For those who apply for a mortgage, the first factor that affects the success rate is personal credit information. Only people with good personal credit information have the opportunity to pass the strict examination and approval of the bank.

2. Solvency

Although the mortgage has housing as collateral, the bank still cares about the borrower's repayment ability. Generally speaking, the monthly mortgage cannot exceed half of the monthly income.

3. Number of houses under name

In many key cities, the real estate market is regulated by policies. Many cities will stop the approval of mortgages for three or more suites.

4. Debt

The borrower's current debt situation will directly affect the approval of mortgage loan. After all, everyone's income is limited. If there is already a lot of debt to pay, it is difficult to take on a new mortgage.

Step 5 engage in occupation

For some people engaged in dangerous jobs, it will be difficult to apply for mortgage loans. Sometimes, banks will require borrowers to buy certain mortgage insurance.

6. Housing situation

When handling a mortgage, the housing situation is also an important factor in approving the mortgage. Whether it is a first-hand house or a second-hand house, there needs to be a clear property right relationship. For second-hand houses, the age should not be too large.

Is it impossible to get a loan if the mortgage hasn't come down for two months?

Now, because the bank credit line is tight, it is normal to take out a mortgage for two to three months. It is recommended to contact the bank mortgage center to see if you are queuing for loans!

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

The intended use of the loan

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Potential borrower

The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.

information giving

The borrower shall provide the lender with the following information:

I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);

2. Proof of the stable income of the borrower's family;

Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;

Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department;

6. Other documents or materials required by the lender.

Mortgage 1 month has not been notified, has it failed?

Just because the mortgage has not come down for a month does not necessarily mean that the approval has not passed. After all, according to the personal qualifications of different customers and the market conditions in different regions, the time required for mortgage approval is not necessarily.

Some are faster, and the review may be completed in about half a month; Some of them are slow, and it may take a month or two to get the audit results. Therefore, the mortgage has not come down for a month or may be under review.

No matter how long the audit takes, the bank will inform the customer after the audit results come out. So if you receive the notice from the bank, it means that the loan review is over.

Customers can also log in to online banking to check the progress of mortgage review.

If the audit fails, the customer can only summarize the reasons and reapply later.

If it passes, the bank will also inform the customer of the specific time of face-to-face signing. According to the notice of the bank, the customer will sign the loan contract at the outlet within the specified time and go through the relevant formalities. The bank will not lend money until all the formalities are completed.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Self-operated loan

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Consortium lending

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

Loan amount: 80% of the value of the loanable property after being audited by the bank.

Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.

Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.

Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.

way

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.

What happens when the mortgage is overdue for one month?

Failure to repay the mortgage for one month is overdue in behavior, which will have a great impact on the lender. There is no grace period for mortgage repayment. If the lender is overdue for one month, the bank will definitely report this bad credit behavior to the credit information system.

Secondly, during the overdue period, the bank will contact the lender by phone to remind the lender to repay as soon as possible, so as to avoid the continuous damage of personal credit information, and at the same time, it will calculate a large number of penalty interests, which will increase the repayment pressure of the lender. One month overdue mortgage may affect the lender's credit and repayment amount.

Of course, if the mortgage is only overdue for one month and there is no overdue behavior before, the bank will not take strict management measures against the lender for the time being. Generally speaking, only when the lender fails to repay the loan in time for three consecutive months or six cumulative months, the bank will choose to terminate the loan contract in advance, which is only one month overdue and will not come to this step for the time being.

Mortgage deduction is not affected by holidays. As long as there is no special explanation, the bank will deduct the money on time according to the requirements of the loan contract. Therefore, in order to prevent the lender from forgetting to repay the loan, in case of holidays, the lender should leave enough funds in the account.

Extended data:

Overdue mortgage treatment:

If the mortgage is overdue, we must find ways to pay off the arrears quickly, otherwise the adverse effects caused by overdue will become more and more serious, not only will default interest be generated continuously, but also the overdue bad information in the credit report will be recorded all the time, personal credit will be damaged, and subsequent credit business will be blocked.

Banks may even sue customers. At that time, if the customer still fails to repay the loan after the judgment of the court, the court will probably enforce it, take back the house and auction it, and then use the proceeds from the auction to pay off the arrears.

If the customer has no money to pay back, he can borrow money from family and friends around him first, and then consider returning the money to relatives and friends. At least relatives and friends can discuss the repayment time without interest.

In addition, customers can also try to contact the bank for negotiation, explain that they have insufficient repayment ability for the time being, and provide corresponding supporting materials, and then try to apply for an extension of the repayment period and repay the arrears in installments.