When a customer applies for a mortgage, the bank will issue the result immediately after calling to verify. After all, calling back is the last link of approval. After confirming that the loan application is really operated by myself, and the information provided by the customer is consistent with the real situation and accurate, based on the comprehensive evaluation of the customer's credit standing, the decision whether to approve or not will be naturally completed, and the customer will be informed in a week or so.

As long as the customer waits patiently, if the notice is delayed, the follow-up customer can also take the initiative to call the bank customer service to consult the specific progress. Customers who have received the notice of examination and approval will go to the outlets to sign loan contracts and handle mortgage registration and other related procedures within the agreed time. After the formalities are completed, the bank will enter the lending process, and it will usually take one to two months to make a payment.

Of course, it doesn't mean that the bank will definitely pass the examination and approval by calling to verify the mortgage. If the customer receives a notice that the approval is not passed, the customer can check the reasons for the rejection and solve the problem before reapplying.

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

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

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

There is a purchase contract or agreement;

Do not enjoy the purchase subsidy of 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;

There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

Other conditions stipulated by the lender.

Treatment process

Loan application: the customer fills in and submits the application form and application materials designated by CCB.

Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

Loan approval: CCB approves loans.

Signing a contract: after the customer's loan is approved, sign a loan contract with CCB.

Loan issuance: CCB will issue loans after meeting the requirements.

Customer repayment: the customer repays the loan on time as agreed.

Loan settlement.

There are two main ways to withdraw loans:

Direct withdrawal: after the loan contract comes into effect, the borrower will directly transfer the loan to the deposit account opened in the loan bank according to the payment plan agreed in the contract.

Special withdrawal: after the loan contract comes into effect, the borrower entrusts the loan bank to transfer the loan to the deposit account opened by the selling unit or developer in the relevant bank at one time or in installments according to the time stipulated in the loan contract. Borrowers who take special withdrawal methods must provide relevant contracts to the lending bank when withdrawing money. Agreement payment notice and other documents.

Housing provident fund loans should take the form of special extraction.

How long did it take China Post to audit the consumer finance telephone?

Generally, the results will come out on the same day after the audit of China Post's consumer finance telephone. The audit of China Post's consumer finance is generally divided into two stages: automatic system audit and telephone audit. In a successful case, the audit results will be issued on the day of application, but some users need to wait for the audit results for about two days.

The audit time of China Post's consumer finance is related to the user's personal situation and the loan amount applied. Users can log in to China Post's wallet and check the approval process. If it is not approved for a long time, you can also call China Post Customer Service for details.

I applied for a mortgage at ICBC, and the bank has called back. How long will it take to get the results?

1. ICBC's mortgage lending time is generally about one week to one month, from submitting a loan application to lending.

2 mainly depends on whether the documents submitted by the parties are complete and meet the requirements of the bank. Bank loans range from 1 considerate 1-3 months.

The general process is as follows: the approval document is passed-the developer is notified for filing-the developer submits the filing form (seal) to the bank-the final review of the bank-lending.

Three. Loan procedure

1. Go to the bank for information; Apply for individual housing loan with all relevant materials;

2. Accept the bank's review and determine the loan amount;

3. For the loan contract, the bank will handle insurance;

4. Handling the registration and notarization of real estate mortgage;

5. For bank loans, the borrower cancels the registration after monthly repayment and repayment of principal and interest.

Extended data

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 notarization of real estate mortgage registration 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.

(Refer to Baidu Encyclopedia Mortgage)