Then there is the face-to-face interview. After the face-to-face signing is passed, a loan contract is signed.
In the absence of other accidents, banks will generally complete mortgage lending within 15 working days.
In case of internal changes in the bank, the latest regulations issued by the central bank, great changes in LPR interest rate, and serious overdue records added by borrowers, the bank will delay lending.
But generally there will be a general result within 30 working days.
If the banking business is busy, the shortage of staff or the loan amount will affect the speed of mortgage lending, resulting in a longer mortgage lending time. It is also possible to lend money two or even three months later.
Even though the bank has never given the borrower a clear time since the loan application, the borrower's credit manager will inform the borrower at the key time node.
If the borrower can't wait for the bank to lend money, don't wait blindly. Consult the customer service staff or credit manager of the bank and ask if there are any mistakes.
In case of missing information or something, the borrower can make it up in time.
If the mortgage loan is not smooth due to the developer's reasons, such as the developer fails to obtain a pre-sale permit or sells an existing house that does not have the conditions for use, the bank will not summarize the loan, and the borrower may ask the developer to return the down payment and advance payment, and may ask the developer to pay the corresponding interest loss.
In addition, the borrower should be reminded that the bank will also conduct post-loan management for the borrower three months after the mortgage loan is issued.
During this period, the borrower had better not add new loans, or have other overdue behaviors, or the work unit, social security and provident fund payment have undergone major changes.
Once the borrower's personal qualification changes greatly, the bank may require the borrower to repay the loan principal and interest in one lump sum in order to reduce the loan risk and bad debt rate.
If the online loan itself is not compliant, then such online loans are overdue and have no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.
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Does it matter after all the housing provident fund is withdrawn?
Whether the full withdrawal of housing provident fund will have an impact depends on the specific situation.
1. If there is no demand for buying a house for the time being, it will have no impact.
2. If there is a demand for buying a house in the later period, it may have a certain impact and it is temporarily impossible to apply for a provident fund loan. When buying a house, you can only choose to apply for a commercial loan.
After all, there is no balance in the housing provident fund account, so naturally it is not supported to apply for provident fund loans. After that, you must pay the housing provident fund in full and on time for at least six months before you can apply for a provident fund loan.
It is suggested that it is best not to withdraw the balance of individual housing provident fund account before handling provident fund loans, because the balance of individual housing provident fund account is an important factor affecting the amount of provident fund loans (the relationship between the two is a certain multiple, and the regulations in different regions will be different. As stipulated in Changsha, the maximum loanable amount of housing provident fund loans for employees who pay housing provident fund is calculated according to the sum of the balance of housing provident fund accounts of both husband and wife).