Banks are an important part of the financial industry. Many people need to go to the bank to handle related business when applying for mortgage, and the mortgage approval process is also a complicated and long process. Many users want to know at which level and at which level mortgage loans are approved. Today, we will briefly introduce it.

1. Is the mortgage approved by the branch or by the branch?

Generally speaking, it is the branch that examines whether your personal information is complete and true, which belongs to the preliminary stage. After the approval, the head office will inspect the repayment ability and financial resources. As long as you pass the preliminary examination, there is basically no big problem.

Second, at what level is the mortgage loan approval authority?

1 preparation stage

In the early stage, the account manager needs to collect information. In addition to sorting out the materials provided by you, they also need to inquire and print other auxiliary materials (such as the information system inquiry of the person who has lost his trust, personal detailed credit report, personal risk rating list, etc.). ), and then write a report and submit it to the examiner for review-signature of the person in charge of the operating institution-credit review department of the branch.

2. Review by the credit review department.

After receiving the materials submitted by the institution, the credit review department will review them according to the relevant regulations of the bank. In case of doubt or omission, the operating agency will be required to supplement the materials. If the materials do not meet the requirements, the materials will be returned to the operating organization (the general organization will review the materials first when submitting them). After the review is completed, the examiner will issue a review opinion and submit it to the person in charge of the review department for review.

3. approval.

The person in charge of the credit review department shall submit it to the leader in charge of the branch for approval after it is verified to be correct.

4. Loan.

After examination and approval by the leaders in charge, the examination and approval department may issue a notice of examination and approval opinions and submit the materials to the operating organization. At this time, the account manager can bring relevant materials to the loan center to apply for loan.