It means that the mortgage loan at this time is under review, and the loan will be issued in the next step.

For those users who apply for personal housing loans, banks will generally review the user's qualifications according to strict procedures. If the bank believes that the user meets the relevant qualifications, the bank will handle the mortgage loan procedures for the user. After that, banks will lend money normally.

1. Your situation is a personal housing loan.

Personal housing loans are particularly common in home purchases. Some people will choose provident fund loans, some people will choose commercial bank loans, and some people will only get loans through compounding. Based on your situation, because a personal housing loan requires collateral, you need to go through mortgage procedures. If your loan application progress has reached this stage, it means that your loan has passed the preliminary review and it is very likely that you will be disbursed normally in the future.

2. The mortgage procedures indicate that the loan has been successful.

Because each bank has different review procedures for personal housing loan applications, for Bank of Communications, the loan difficulty in some places is very low, and it is also friendly to users' personal housing loan applications. . If you have reached the mortgage procedure, it basically means that your loan has been successful. At this time, you just need to wait patiently. The waiting time is usually 3 to 15 working days. In some places, personal housing loans from banks will be reviewed, which may require longer working hours.

3. You can submit further information.

If you are not confident about your loan review, you can submit further information to prove your income level and repayment ability. If you have other types of assets, you can include them in your profile, which will further increase your chances of approval. Generally speaking, if your personal credit record is good and you have good repayment ability, your personal home loan application will generally be approved smoothly and you don’t need to worry too much.