2. Review by the credit review department. After receiving the materials submitted by the institution, the credit review department will review them in accordance with the relevant regulations of the bank. In case of doubt or omission, the operating agency will be required to supplement the materials. If it does not meet the requirements, the materials will be returned to the operating organization (generally, it will be reviewed by the organization itself when it is submitted). After the review is completed, the reviewers will issue review opinions and submit them to the person in charge of the review department for review.

3. recognition. The person in charge of the credit review department shall submit it to the leaders in charge of the branch for examination and approval. Normal leaders will pass it directly after seeing it, and rarely refuse it, usually within three days.

4. Borrowing: After being approved by the leaders in charge, the audit department can issue a Notice of Approval Opinions and hand over the materials to the operating institutions. At this time, the account manager can take the relevant materials to the loan center to apply for loan.

What factors will affect the mortgage approval?

1, lender's age.

Banks have strict examination conditions when accepting borrowers' mortgage applications, requiring applicants to be at the age of 18-65, of which 25-40 is the most popular group, followed by 18-25 and 40-50. For people aged 50-65, housing loan applications are generally not approved. Because people of this age are prone to illness or other risks that affect their income, it is not easy to get loans.

2. Application materials.

Incomplete application materials are one of the reasons why most property buyers are refused loans, because the authenticity and integrity of the materials are the primary factors that determine whether you can get loans. If you provide false information, the bank will not hesitate to reject your application when it finds out, so don't take any chances.

3. Personal repayment ability.

When reviewing loan applications, banks should not only review credit information, but also focus on individual repayment ability. If the debt of the loan applicant is too high, or the income certificate provided can not meet the requirements of bank loans, it will affect the approval of loans or reduce the loan amount.

4. Personal credit status.

When an individual applies for a housing loan, the bank will first investigate the personal credit report, that is, inquire about the personal credit report. If the personal credit report shows that the repayment has been overdue for three consecutive times or six times in the past two years, then the borrower's application for housing loan is likely to be rejected. Therefore, everyone should maintain their credit information at ordinary times and let themselves have a better credit record.