Can I borrow money after my mortgage is approved?

Generally, I can borrow money after my mortgage is approved.

During the period of home loan approval, you must not use Jiebei to borrow money. The bank cannot guarantee whether the lender will use it to pay the down payment. After all, consumer loans and the like are strictly prohibited from flowing into the real estate market, so once the bank If it is found during the approval process that the lender has borrowed money from Jiebei, the loan will be rejected in all likelihood.

1. Home loan, also known as home mortgage loan

The home buyer fills out an application form for a home mortgage loan to the lending bank and provides legal documents such as ID card, income Certification, house sales contract, letter of guarantee, etc. must be submitted as stipulated supporting documents. The lending bank will make a loan commitment to the house buyer after passing the review. Based on the house sales contract provided by the house buyer and the mortgage loan contract entered into between the bank and the house buyer, After handling the registration and notarization of real estate mortgage, the bank will directly transfer the loaned funds to the account of the selling unit with the bank within the period specified in the contract.

2. Housing loan procedures

1. The borrower fills out the housing mortgage application form before taking the loan, and submits the following supporting documents to the bank: the borrower’s fixed economic income issued by the borrower’s unit Proof; credit certification documents such as the business license and legal person certificate of the loan guarantor; the borrower's legally valid identity certificate; the relevant housing ownership certificate that complies with the legal provisions or proof that the person has the right to control the house; the valuation report and appraisal of the mortgaged property Letters and insurance documents; contracts, agreements or other supporting documents for the purchase and construction of housing; other documents or materials required by the lending bank.

2. The bank will review the borrower’s loan application, house purchase contract, agreement and related materials.

3. The borrower will hand over the property ownership certificate and insurance policy or securities of the mortgaged property to the bank for collection.

4. The guarantors of both the borrower and the borrower sign a housing mortgage loan contract and have it notarized.

5. After the loan contract is signed and notarized, the bank's deposits and loans from the borrower will be transferred to the house selling unit or building unit specified in the house purchase contract or agreement by transfer.

6. Loan applicants make monthly repayments.

In short, don’t think that there will be no impact on borrowing money after the mortgage loan is approved. The bank will still examine the borrower’s repayment ability, especially the 3 months after the loan is approved. This period may be the most important. Every month, the loan manager will check the credit report of the lender. Can I still use Jiebei after applying for a mortgage?

You can use Jiebei normally. As long as the relevant contract is signed, the housing loan has been received, and normal monthly repayments have begun, you can continue to use Jiebei. However, you must pay attention to repaying on time, because the bank will conduct post-loan management from time to time. If it is found that your credit is If it worsens, certain measures may be taken.

For more information about whether you can still use Borrower after applying for a mortgage, enter: See more content about mortgage loans. The bank approval has been passed, but the loan has not yet been issued. I want to use Ant Borrower. Will it affect lending?

As long as there is no disbursement of housing loans, everything is still variable.

There are three steps for a bank to approve a mortgage. The first step is to collect materials, the second step is to review the materials, and the third step is to review the loan. Only when all three steps are completed and the loan is released, the process is over. .

Now you have reached the second step, and there is the last step. In this step, many banks will query the credit report again.

If you borrow money at this time, your credit record will be recorded immediately, and the bank will review your qualifications again. If the asset-liability ratio is insufficient, you will most likely end up last. One step, one step, one step short.

My personal suggestion is that it is safer to wait until the mortgage loan is disbursed before using the loan.