First of all, answer directly.

When applying for a mortgage, the bank should issue the results immediately after calling to verify.

Second, the specific analysis

After all, calling back is the last link of approval. After confirming that the loan application is really operated by me, and the information provided is consistent with the real situation and accurate, I will naturally decide whether to approve it according to the comprehensive credit evaluation, and I will receive a notice in a week or so.

Just wait patiently. If you haven't received the notice, you can call the bank customer service to inquire about the specific progress.

After receiving the notice of approval, they will sign a loan contract at the outlet within the agreed time and go through the relevant formalities such as real estate mortgage registration. After the formalities are completed, the bank will enter the lending process, and it will usually take one to two months to make a payment.

Of course, it doesn't mean that the bank will definitely pass the examination and approval by calling to verify the mortgage. If you receive a notice of approval failure later, you can check the reasons for rejection, solve the problem and reapply.

If you are not clear about your debt and online loan data, you can get an online loan big data report from Beijian Express, which contains detailed online loan application records, overdue details, blacklists and other data.

3. What should I do if I want to verify the capital when buying a house?

Buying a house needs to be prepared for capital verification according to regulations, otherwise it may lead to the failure of buying a house. Buying a house for capital verification is generally the behavior of developers, mainly to examine whether there is enough financial strength. Generally speaking, in some relatively large projects and good houses with high total price, developers will take away the funds in advance.

If you plan to apply for a mortgage, although the bank's review of mortgage qualifications is strict, the funds that are generally not seen will pay more attention to the following points.

Credit report of 1

2, the income of running water.

3. Debt ratio.

4. age.

5. Whether it has full capacity for civil conduct.

6. Work situation.

Under normal circumstances, buying a house for capital verification will not be a requirement of the bank. Of course, those who can buy some houses with good lots and high total prices have certain economic strength.

In this case, applying for a bank loan will pass with a high probability. Wait patiently for news from the bank.

Second, how long after the mortgage phone verification?

After the general mortgage loan is verified, it will generally be released within 20 working days, depending on the policies of local banks.

3. How long after the telephone verification of the mortgage?

If all the individual housing loans are handled in our bank, it will take about 15 working days to approve if the application materials you submit are complete. Because it involves evaluation and mortgage registration, each customer's situation will be different. The specific lending time can be directly confirmed by contacting the handling outlets or loan account managers.

Fourth, does the bank mortgage call to verify the news mean that it has passed?

Hello! Even if the news of bank mortgage phone verification basically passes, if it is to be confirmed, it will only be counted if a loan contract is signed. Thanks for reading!