If the mortgage amount is tight and the loan is delayed, users can try to urge the bank to lend as soon as possible. The shortage of mortgage loans has slowed down lending, and this person is impossible to intervene. Users must wait patiently for bank loans. Or the user can negotiate with the bank to cancel the mortgage contract, and the user can go to other banks to apply for a mortgage after the previous contract is cancelled.

Generally speaking, the bank will arrange the loan as soon as possible after the mortgage contract is signed. When the mortgage is tight, it usually doesn't last long.

Relationship between mortgage amount and income

Other influencing factors being the same, the higher the income of the lender, the higher the loan amount he can get. However, income is not the only factor that affects the loan amount. The factors that affect the loan amount are:

(a) the borrower's own situation. These conditions include the borrower's income level, personal credit, personal assets, work situation, whether the borrower is local, etc. Under the same circumstances, banks will give priority to borrowers with high income level, good credit record, long working hours, considerable personal assets and local household registration. Because in such a crowd, banks are more likely to recover loans. So banks or lending institutions will give them higher loans.

(3) the purpose of the loan. For different loan purposes, the same borrower will get different loan quotas. This is also related to the possibility of banks recovering loans. For low-risk loans, banks will give higher loan quotas.

(3) loan method. Usually, the amount of mortgage loans and secured loans will be higher than that of credit loans. Because banks think that those loans with mortgages or guarantors are more likely to recover the loans. Even if the borrower really can't repay the loan, the bank or lending institution can recover the loan by auctioning the collateral or letting the guarantor repay the loan.