In fact, no matter how long the bank does not lend money, it is not a breach of contract. Because the bank's refusal to lend is determined by many factors, the bank can't promise when to complete the loan. Therefore, the lender has no complaint channel, but the lender can choose to negotiate with the bank and ask for a quick loan.

After understanding the detailed reasons for not lending, the lender can choose to find a credit manager, indicating that the mortgage is urgently needed and asking the bank to misappropriate the emergency loan line. You can also talk to the developer and let the developer urge the bank.

Generally speaking:

The bank will send the loan information to the lender within 15-30 working days after the lender's mortgage is approved. In case of holidays and policy changes, banks will delay lending time. If the lender's credit record changes, the bank will also delay the lending time for "post-lending management".

In addition to the above, the bank's monthly loan balance is insufficient, and the internal system of the bank needs to be upgraded, which will also affect the progress of mortgage lending. So it is normal for lenders to wait 1-3 months. If the lender has waited for 3 months and has not waited for the loan notice, he can consult the bank for details.