Because the amount of loans involved in housing loans is relatively large and the loan period is very long, the loan risks that banks need to bear also soar. In order to ensure the safety of its own internal funds, the qualification examination of users will be stricter than other loan products and it will take longer. Under normal circumstances, the housing loan approval time is about 20 working days, plus holidays for almost one month. If it is a user with better qualifications, the review time may be shorter. Therefore, if you want to make a payment as soon as possible, you can optimize your personal qualifications before applying, especially in terms of credit data, which will have a significant impact on the approval of loans. Users who use online loans must settle one month in advance, otherwise the loan application may be rejected.
When applying for a mortgage, everyone should also pay attention to avoiding this special time period at the end of the year. Because at the end of each year, the bank's loan funds are relatively tight, and in order to make a good start in the coming year, the down payment interest rate will be tightened, resulting in a long waiting time for some users' mortgages. But generally speaking, when we sign the house purchase contract, the developer will give us enough time to handle the house loan, so we don't have to worry too much. Small partners who want to improve the pass rate can consider doing it in banks with business contacts, which can also speed up the audit. Because in these banks, everyone belongs to high-quality customers and will get better treatment.
If you encounter other things you don't understand in the process of applying for a loan, you can check them at any time.