Next is the face-to-face signing session. After the face-to-face signing is passed, a loan contract is signed.
In the absence of other accidents, banks will generally complete mortgage lending within 15 working days.
If the bank changes internally, the central bank issues the latest regulations, the LPR interest rate changes significantly, the borrower adds serious overdue records, and the bank will postpone the loan.
But generally there will be a general result within 30 working days.
If the banking business is very busy, the shortage of staff or the amount of loans will affect the speed of mortgage loans, resulting in a longer mortgage loan time. It is also possible to lend money after two months or even three months.
Even if the bank has never given the borrower a definite time since the loan application, the borrower's credit manager will inform the borrower at the key time node.
If the borrower can't wait for the bank to lend money, don't wait blindly, consult the customer service staff or credit manager of the bank and ask if there is any mistake.
In case of missing information or something, the borrower can make it up in time.
If the mortgage loan is not smooth due to the developer's reasons, such as the developer fails to obtain the pre-sale permit, or sells the existing house that does not have the conditions for use, and the bank fails to summarize the loan, the borrower may ask the developer to return the down payment and advance payment, and may ask the developer to pay the corresponding interest loss.
In addition, the borrower should be reminded that the bank will also conduct post-loan management for the borrower three months after the mortgage loan is issued.
During this period, the borrower had better not add new loans, or have other overdue behaviors, or the payment of social security and provident fund has undergone major changes.
Once the borrower's personal qualification changes greatly, the bank may require the borrower to repay the loan principal and interest in one lump sum to reduce the loan risk and bad debt rate.
If the online loan itself is not compliant, then this kind of online loan is overdue and has no impact on your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin check, check your online loan history, overdue details of online loans, debt situation, untrustworthy information and online loan blacklist.
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Does it matter after all the housing provident fund is withdrawn?
Whether the full withdrawal of housing provident fund will have an impact depends on the specific situation.
1. If there is no demand for buying a house for the time being, it will not have any impact.
2. If there is a demand for buying a house in the later period, it may have a certain impact and it is temporarily impossible to apply for a provident fund loan. When buying a house, you can only choose to apply for a commercial loan.
After all, there is no balance in the housing provident fund account, so naturally it is not supported to apply for provident fund loans. After that, you must pay the housing provident fund in full and on time for at least six months before you can apply for a provident fund loan.
It is suggested that it is best not to withdraw the balance of individual housing provident fund account before handling provident fund loans, because the balance of individual housing provident fund account is an important factor affecting the amount of provident fund loans (the relationship between the two is a certain multiple, and the regulations in different regions will be different. For example, Changsha stipulates that the maximum loanable amount of housing provident fund loans for employees who pay housing provident fund will be calculated according to the sum of the balance of housing provident fund accounts of both husband and wife).