According to the news from the official website, there is indeed a time limit for major banks to issue loans.

Second, the specific analysis

Mortgage is no exception. According to the regulations, the bank's commercial mortgage loan can only be released in three months.

In other words, if the bank's mortgage is not released within three months after approval, the borrower can make a dunning.

In addition to mortgage, it also stipulates the lending time of other loan types.

For example, consumer loans are basically about 7- 15 days. If it is fast, the next payment will also arrive on the same day. Another example is that the provident fund loan is about 3 months, and the commercial loan is about 1 month.

If the borrower fails to lend money after applying for a mortgage, he can call the credit manager or bank customer service directly for details.

Because sometimes it may be because the information provided by the borrower is problematic.

Do you still need to go to the bank after the mortgage is approved?

After the mortgage is approved, the borrower certainly needs to go to the bank.

Need to go to the bank for mortgage procedures and sign a mortgage contract.

If the bank requires the borrower to sign a loan application, the borrower needs to go to the bank again to handle related matters after lending.

Just search: quick view of the shell tip. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

3. Is there a time limit for decompression after the mortgage is paid off?

After the mortgage is paid off, whether there is a time limit for handling the mortgage cancellation procedures mainly depends on the regulations of the local housing authority, and there is generally no specific time limit.

However, it is generally necessary to make an understanding commitment as soon as possible. After all, after a long time, I am afraid that some documents may be lost, which will bring inconvenience to the pledge.

It will be very troublesome to reorganize the materials and understand that it will be sent back for retrial.

Moreover, the house was not completely owned by itself before the mortgage registration was cancelled.

Under normal circumstances, after the mortgage is paid off, the procedures for canceling the mortgage are generally completed within one week or 15 working days.

If the mortgage cannot be settled in time for a long time after it is paid off, it is recommended to contact the bank and the staff to make it clear and see if the mortgage can be postponed.

Of course, I don't need to apply for mortgage release. If you can't spare the time, you can entrust others as soon as possible.

However, it doesn't take much time to lift the mortgage. Generally, you can apply for publishing on the same day and you can do it on the same day. After all, the procedures for canceling the mortgage are not complicated, but you may need to queue up.