Face-to-face mortgage signing is actually a procedure for the borrower and * * * together with the repayment person or guarantor to go to the loan bank to sign a loan agreement and have an interview. Usually, after the purchaser pays the down payment, he will go to the bank to sign a preliminary agreement. After the developer completes the information and prepares the purchase invoice, he can go to the bank for formal face-to-face signing.
the process of face-to-face interview is relatively simple. Generally, you just need to sign in the bank to confirm and take photos, and the speed is relatively fast, and it can be completed on the same day.
Generally speaking, after the face-to-face interview, the audit results will be available in about five days. If the applicant is not notified of the audit, he should take the initiative to call the bank to ask about the specific situation.
if it is a credit card interview, the credit card display pending interview means that the user's credit card application has been approved, and the cardholder needs to bring his personal ID card and credit card to the bank outlet to go through the interview procedures before he can use the credit card products normally.
if you apply for a commercial loan, the time for lending can be relatively faster, from the submission of information to the review of lending, which can be as fast as two weeks and as slow as one month. If it is a provident fund loan, the loan market will slow down accordingly because there are too many materials to be reviewed during the loan process.
How can a mortgage be considered as a face-to-face approval?
As long as the loan approval letter issued by the bank is received, it means that the face-to-face approval is passed. In addition, users can also directly call the bank's customer service phone to inquire about the interview results, or log in to the bank's official website and APP to inquire about the loan progress, and they can also directly contact the business manager who handles the mortgage to consult the interview results.
The loan amount, loan interest rate, loan term and other related information will be indicated in the face-to-face letter of mortgage loan. After the face-to-face letter is passed, you can wait for the bank to lend money and repay it on time.