What should I do if there is no limit on Changan Bank’s mortgage loan in 2021? I have waited for 5 months and still have no limit?

Since bank loans are issued in batches, the so-called "no loan limit" does not mean that the bank has no money to lend, but that the mortgage credit limit is close to the red line, and the bank has stopped mortgage lending, so there is Can't apply for a mortgage loan.

If we encounter this situation, we can wait patiently and wait until the next batch of quotas comes out. And under normal circumstances, the longer the user waits for application, the faster the loan will be.

Analysis of the reasons for the slow disbursement of mortgage loans:

1. Insufficient qualifications of the applicant

To apply for a mortgage loan, you must not only prepare complete materials, but also provide a down payment certificate. And there are requirements for the borrower's personal credit, bank statements, repayment ability, work income, etc. For example, if the credit record of a white household loan is blank, the bank will strictly review the loan qualifications, which will affect the loan speed to a certain extent.

There is also the situation where the lender has added a large amount of liabilities before lending, such as applying for a credit loan, using a credit card for a large overdraft, and the bank checked the credit report twice before lending, thinking that the lender's debt is too high. , the loan period will also be lengthened before the lender's qualifications improve.

2. Bank mortgage quotas are tight

In previous years, the quotas were tight at the beginning and end of the year, but the quotas began to be tight at the beginning of 2021. In accordance with the requirements of the Central Bank and the China Banking and Insurance Regulatory Commission, major banks began to implement a centralized system for real estate loans and adopted precise quota controls on real estate loans.

When the loan amount is limited, the bank will give priority to customers with good current situation, high five insurances and one housing fund payment limit, deposits and financial management in the lending bank, or who can accept rising interest rates. Others Customers will have to wait until the credit limit is sufficient before lending.

Information expansion:

Problems that may arise in loan approval:

1. Issues before approval

1. Loan application and procedures After submitting it to the bank, the account manager needs to conduct investigations, fill out forms, review the logical relationships and content in the information, and improve the information. Then enter the information into the loan system and submit it to the reviewer for review. The reviewer will review the information based on the information submitted by the account manager. Once correct, submit it to the approver for approval. In this process, each link takes a certain amount of time. If an error occurs in the previous link, you need to supplement the information or go back and start over, which increases the operating time.

2. Due to various reasons, the customer information accepted by the account manager may not be approved by the reviewer and approver. This requires the bank account manager to complete and supplement the information, which adds extra time to the process.

3. If the information submitted by the customer is unclear, incomplete, incomplete, or there is a problem with the information content, or if there are new liabilities or other stated matters in the credit report, the customer will need to supplement. Explain or find supporting evidence to provide proof, etc. This process takes the longest, and if the customer is out or encounters special circumstances, he may have to wait until August 8 at this stage.

2. Issues after Approval

Loan approval means that the authorized person in the bank tells internal personnel that the loan meets the conditions and can be disbursed. But it’s not over yet, a series of tasks still need to be completed, and it will take some time.

1. After the loan is approved, the bank still needs to do a series of work, such as signing, sealing, document review, etc. If there is no pre-filled contract when accepting the application, you will be asked to sign the loan contract at this time. , fill in the loan voucher, etc. If there is a problem in this link, several days will usually be wasted.

2. Even if the bank staff prepares all the information, the loan may not be granted, because housing loans generally adopt a scale management system and are limited by scale, that is, how much scale is given to you (that is, the loan limit ) You can put as much as you want, and cannot exceed the limit. There are many loan customers, so you can only wait in line for the size. Waiting for scale is a long process, and sometimes it takes several months. Banks in many places have suspended loans, and there is no limit when applying for a home loan. What is the difference between loan suspension and no limit?

Buying a house is an important thing for anyone, and according to news media reports, banks in many places have now suspended lending. Basically, if you want to apply for a home loan, There is no limit, but there is an essential difference between loan suspension and no limit, and everyone still needs to make a distinction here.

The lack of quota is only a temporary thing. Under normal circumstances, as long as the quota is sufficient, loan business will continue. However, the suspension of loans is different. It is equivalent to the fact that this business has been suspended and can only be continued until the notice is issued. So today I will analyze with you the specific differences between loan suspension and no limit.

Indicators issued by First Bank.

We all know that if we want to apply for a housing loan, we need to sign a loan contract with the bank. In fact, the amount of the loan contract that the bank can sign has a certain upper limit. If it exceeds the loan limit standard, Cannot continue processing. According to interviews with reporters, in this investigation, many banks have reached their quota for this month in January. If they want to continue lending, they can only wait until the next month. Of course, if many people pay off their loans at once this month, they can still continue to apply. But considering it’s almost the end of the year, this is basically unlikely to happen.

Second, what do you think about the fact that many banks have stopped providing housing loans?

In fact, the reason why they did this is a very good thing for banks or finance. After all, the main job of a bank is not to lend money, but to maintain financial stability. Although lending is an important source of income for banks, in the face of financial stability, it is obvious that banks will make the right decision. This is why even though many people want to buy a house at the end of the year, banks are sticking to their bottom line and will not overfill their loan business.

Third, how do you evaluate buying a house at the end of the year?

To be honest, at the end of the year, many people do want to buy a house. After all, many people have received year-end bonuses during your time, or want to confirm their own property this year. If the house collapses, you can carry out renovations or other things. However, it is precisely because many people buy houses at the end of the year that the loan limit is quickly consumed this month. Under normal circumstances, the loan limit is actually sufficient. After all, most banks have raised their home loan limits to a high degree. It is still very high, but this situation is caused by too many people buying houses, so those who want to buy a house need to wait until next month before they can continue to borrow money. It has been more than 20 days since I applied for a loan at the bank. Now the bank says there is no limit and it will not be available until next month. What is going on?

If the mortgage loan is approved but the bank does not have a quota, it means that the bank will not be able to lend money in a short period of time, because each branch of each bank has a certain limit for lending this year's mortgage. There is a limit on the quota. If the quota is used up, then you will not be able to extend housing loans this year or this month. In this case, you can only wait. If you go to the bank for a loan and keep saying there is no limit, the borrower can actually solve the problem through the following methods. First, ask relatives and friends to make a turnover, and then wait until the bank releases the loan before paying it back to the relatives and friends. Another option is to communicate with the bank's credit manager to explain the specific situation and apply for the loan amount. Of course, if the above two methods are not feasible, the borrower can only be advised to apply for a loan from another bank, because the loan may be issued soon.

Commercial loan application process

1. Submit loan application: After you sign the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, you need to submit complete materials approved by the bank to the bank for review. This is the most important step in the commercial loan process.

2. Bank acceptance and investigation: After the bank receives the application materials from the loan applicant, it will review the materials. The general review time for commercial loans is about 15 working days, with the longest No more than 1 month. During the bank's acceptance investigation, the loan applicant will be asked to supplement some relevant information depending on the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and approval: The bank that provides the loan usually verifies several aspects: the condition of the house, the borrower’s qualifications and credit, etc. This is an important step in the commercial loan process. If the loan applicant has bad credit, it will directly lead to the failure of the loan application. Therefore, it is very important to accumulate good personal credit in life.

4. Both parties go through relevant procedures: the bank will notify the loan applicant that after the loan is approved, he needs to open an account with the bank, get a debit card and sign a loan contract. At the same time, we will handle related guarantee procedures such as mortgage, guarantee, pledge and insurance. When signing a loan contract and handling the guarantee procedures, you must understand the details in the contract in detail and clarify your rights and obligations to avoid unnecessary misunderstandings later.

5. Bank loans: After all loan procedures are completed, the bank will transfer the loan funds into the real estate developer's account. The lending relationship is established, and the lender needs to repay according to regulations. loan.