First, the bank's loan-to-deposit ratio case exceeds 75%, and it cannot lend money to you illegally; Second, the bank's new loan-to-deposit ratio case exceeded the limit in that year and could not give you a loan in violation of regulations; Third, your loan amount is large, and you need the approval of your superiors to lend money; Fourth, there are other reasons. If you have signed a contract with the bank to prove that the bank should give you a loan before the deadline, you can sue the bank, but if you have not signed a loan contract but only applied for a mortgage, you can't sue.

Extended data:

After the bank loan is approved, the bank does not lend money immediately, which depends on the degree of capital easing of the bank and the spot check by the regulatory authorities.

Under normal circumstances, the speed of bank lending has a great relationship with the degree of bank funds easing. If the bank has relatively abundant funds, it can lend money soon, and it takes about one month from loan approval to mortgage completion. Some banks may successfully lend money after half a month.

However, if the bank is short of funds, the speed of mortgage lending will be very slow, because the bank has limited funds, so everyone can only queue up to lend money. For example, from the second half of 20 17 to the first half of 20 18, the funds of major banks in China were very tight, especially the amount of mortgage loans. At that time, many banks had to queue up for loans, and it was normal for some customers not to lend after the loan was approved or even within half a year.

However, according to the current capital situation of major banks, most banks can successfully lend money in about two months. If they haven't got a loan for more than two months, you should ask the bank what the specific reason is.

First, if the bank's funds are loose, it can lend money within 1~2 months under normal circumstances. If you don't borrow money for more than two months, it may be your own problem. One possibility of this kind of problem is that you were spot-checked by the regulatory authorities, and you just didn't meet the conditions of mortgage loan, so you were suspended from the loan.

Second, although your mortgage has been approved, and the bank loan is basically certain before mortgage, this is not the guarantee of 100% before lending. Sometimes you are unlucky to meet the spot check of the regulatory authorities, and the regulatory authorities find that you do not meet the conditions of mortgage, such as the illegal source of the down payment, such as not meeting the requirements of local real estate regulation and control policies, such as the emergence of a yin-yang contract. If your own conditions can't meet the requirements of the regulatory authorities, it is illegal for the bank to lend you money privately. For this illegal lending behavior, the regulatory authorities may stop lending at any time.