Although the mortgage is rising day by day, there are still many people who choose loans to buy houses, which can greatly reduce the pressure on funds and repayment. Many people don't know how to check the application progress and how to check the approval after applying for a mortgage. Let's briefly introduce it today.

1, for the sake of prudence

If you want to know the specific results of mortgage approval and other details, you can take your ID card to the personal loan department of the loan bank outlet. Now the services of banks and provident fund centers are very good. Not only can you use the machine for self-inquiry, but you will also arrange staff to provide consulting services.

When you go to the bank, you can also ask the credit manager about the loan situation, or you can ask the bank to help you print the repayment schedule within one year after the inquiry, so that you can clearly understand the loan situation within one year.

2. Online inquiry

For office workers, there is usually not much time, so you can choose the way of online inquiry. As long as online banking is opened, they can check the loan balance, approval progress and repayment details without leaving home.

3. Telephone enquiry

If you just want to know the progress of mortgage approval, you can call the customer service phone of the loan bank directly, but this way you can only get a single information of the loan balance, and you can't know the monthly repayment situation before and after.

In short, there is still a lot of work to be done after the mortgage is approved. After the loan is approved, the developer will inform you to get the purchase contract that has been registered with the real estate management department, because if the bank does not approve the loan, the developer will not register with the real estate management department with the signed purchase contract.

How to check the progress of mortgage approval

The specific methods for checking the approval progress of bank loans are as follows:

1, ask the account manager.

Generally, when a bank handles a loan, an account manager will contact the customer, who will be responsible for all matters related to the loan business. If you want to check the progress of loan approval, you can ask the account manager directly, and he will give the corresponding answer. If the account manager can't be contacted at the moment, the applicant can directly go to the business hall of the loan bank to make an inquiry. When inquiring, the applicant needs to bring his personal ID card and loan bank card so that the staff can inquire for you.

2. Telephone enquiry

If you don't have time to go to the bank to find the account manager, you can also call the bank's customer service, and there will be someone to provide consulting services for this information. You only need to provide identity information and loan information, and the other party will help you inquire and tell you the details of loan approval.

3. Online inquiry

At present, some banks have opened the online loan inquiry function. Applicants can go directly to official website, a loan bank, and log in to personal online banking. After logging in, they can inquire according to their own processing date according to the prompt.

Extended data

Time required for bank loan approval and matters needing attention:

First, matters needing attention:

1. Find a loan product that suits you.

At present, there are many bank loan products, and each product has different requirements for borrowers. In this case, the borrower had better compare several products to see which one best meets his own conditions, and then go through the loan procedures.

2. Prepare loan procedures in advance.

When applying for a bank loan, the borrower needs to provide complete loan procedures. If the procedures are incomplete, it is difficult to get a loan. Therefore, it is best for borrowers to know clearly what the loan procedures are before lending, so as to make preparations in advance.

3. Reliable collateral

It is difficult for some borrowers with poor qualifications to win the favor of banks. In this case, it is best to provide collateral recognized by the bank as a guarantee, such as our common real estate mortgage loan and so on.

4. Determine the loan amount and term.

When applying for a personal loan from a bank, the borrower should determine the loan amount and term according to his repayment ability and money demand, and remember not to blindly pursue a loan with a high amount and a long term, so as to ensure a smooth loan and avoid unnecessary troubles caused by excessive repayment pressure.

2. How long does it usually take for a bank loan?

The approval time for general bank loans is about 15 days. If there is a policy change, the time may be extended to one month, or the bank is short of funds. At this time, loans may need to be queued, and the time will be further extended.

How to check the progress of mortgage approval

There are five ways to query:

1. Telephone consultation: No matter banks or other lending institutions, you can call their customer service, and the institutions will have specialized personnel to provide you with consulting services. You only need to provide your identity and loan information, and they will help you check and tell you how your loan approval is progressing.

2. Inquiry in official website: Generally, banks or other lending institutions have their own official website. You can inquire about the progress of loan approval in official website. You can enter your account, find the loan progress query in the function bar, and then click Query to know your loan approval progress.

3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards and go to the bank counter or the lobby of other lending institutions to inquire. This is also a very convenient way for staff to help you check the progress of loan approval.

4. Contact the account manager: When applying for a loan, it is usually negotiated by the account manager, and the applicant can directly consult the account manager if he has any questions. So you can directly find the account manager who helped you with the loan and ask him to help you inquire, so that you can quickly know the progress of your loan approval, which is also relatively simple and convenient.

5, APP query; Now many banks and some lending institutions have their own APPs, and there will also be a loan progress inquiry bar in the app. Click Query directly to check their loan approval progress through APP.

Among them, online inquiry is the most convenient, taking China Agricultural Bank as an example:

1. Enter the online banking of Agricultural Bank of China, click Personal Service, and then click Loan.

2. After entering the loan page, click the application progress query to enter the loan progress query page.

3. Enter the ID number and mobile phone number, and you can query after logging in.

Extended data:

The loan has been approved, but the loan has not been released. Reason:

1. Although the loan has been approved, there are problems in the process of lending, so I can't lend you money. At this time, you need to communicate with the staff in time.

2. No bank card is bound. After the bank card is bound, the lending institution will lend money. This is the most basic thing for everyone to remember.

3. The speed of appropriation is a bit slow, and the speed at which each institution issues loans is different. Just wait patiently!

In any of the following circumstances, the borrower shall not issue loans:

1, which does not meet the qualifications and conditions specified in Article 17 of Chapter IV of these General Rules;

2, production, operation or investment in products and projects prohibited by the state;

3, in violation of the provisions of the state administration of foreign exchange;

4, the construction project according to the provisions of the state shall be reported to the relevant departments for approval without obtaining the approval documents;

5, production and operation or investment projects without the permission of the environmental protection department;

6. In the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, and shareholding system reform. , the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided;

7, there are other serious illegal business practices.

Reference link: Baidu Encyclopedia: People's Network Personal Housing Mortgage Loan

How can I find out after buying a house with a bank loan?

1. The loan is issued by the bank, so the most direct legal office should ask the corresponding banking business manager.

2. Considering that the loan is directly issued by the bank to the real estate company, the relevant finance of the real estate company can also know the mortgage payment situation for the first time;

3. Now banks generally have SMS reminder function, so you can pay attention to information reminder. Generally, there will be SMS reminders at the first time of mortgage.

Data expansion:

procedure

Generally speaking, when the loan is approved, the bank will call you and then sign the contract.

1, please go to the bank to learn about it. And apply for personal housing loans with all relevant materials.

2. Accept the bank's review of you and determine the loan amount.

3. Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.

4. What is left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

After the above procedures and formalities, you can get a new house through mortgage.

How to query your own loan information is divided into the following four points.

1. Inquire at the Credit Information Center: Customers need to bring their identity documents to the Credit Information Center of the People's Bank of China, or log on to the personal credit information platform of the People's Bank of China to inquire;

2. Bank counter inquiry: go to the counter of the bank outlets that have applied for loans;

3. Inquiring about online banking: If the bank that has handled the loan has opened online banking, you can log in to the bank's online banking to inquire about the loan information;

4. Telephone inquiry: Call the loan bank to inquire about the loan information.

The above is how to query your own loan information.

Is it useless to deduct principal and interest from bank loans?

1. The bank has issued the loan and needs to repay the loan principal and interest: that is, after the customer successfully applies for the loan, the bank transfers the loan funds into the bank account provided by the individual, and the loan principal and interest must be repaid on time regardless of whether the individual uses it or not, and the loan interest is calculated from the date of loan issuance;

2. Credit line has been obtained, but there is no loan: in this case, there is no need to repay the principal and interest, because there is no real credit line and no funds have been received in the personal private account, so there is no need to repay.

Can a bank loan be made only once?

Bank loans do not limit the frequency of customer loans. As long as customers meet the criteria for bank loans, they can submit loan applications indefinitely. Whether it can pass the bank audit is subject to the final audit result. Bank loans are credit loans, and customers need to repay on time after successful application, otherwise the overdue records may affect personal credit information. In addition, bank loans are directly lent through banks, so after passing the audit, banks generally will not lend.

Can a bank loan only last for one month?

The loan period of a bank loan can be only one month, or it can be repaid with the loan, so that customers can settle the loan and stop the loan contract after using it for one month. In fact, the short-term repayment methods of most banks are more convenient. Generally speaking, it is suitable for customers to repay loans in advance, and they can choose to repay loans only one month in advance. Naturally, whether it is necessary to pay liquidated damages and prepayment service fees to settle the loan in advance depends on the terms of the loan contract. This article is mainly about how to inquire about the relevant knowledge points of your own loan information, and the content is for reference only.