The mortgage application was approved in just a few days. Is there something fishy about it?

Many people think that as long as their mortgage application is approved, they can sit back and wait for the bank to lend them peace of mind. But in fact, there are still many variables in the process from approval to loan. If the following four situations occur, the borrower will not be able to get a mortgage:

First, bank loan funds are tight

Don’t think that banks’ funds are absolutely sufficient. Many well-known banks have collapsed in recent years, especially this year. Due to the impact of this black swan incident, the income of many industries has declined, and it has been difficult to repay loans. A large number of Banks also need to release financial support through the state. Therefore, if the current loan amount of the bank is not enough to support the needs of all borrowers, some people may still have problems getting money. They can only continue to lend money to borrowers until the bank funds are withdrawn. At this stage, borrowing money People can only wait slowly for the bank funding problem to be resolved, or choose to change the loan bank.

Second, the borrower has new debt problems

Each mortgage payment is not a small amount, especially now that house prices have entered the era of tens of thousands of yuan, and hundreds of thousands have to be released. For housing loans worth millions, banks must go through layers of review. Even if the materials you submit are temporarily approved, the bank will still conduct strict verification before disbursing the loan, and will only disburse the loan after multiple confirmations.

Because if the handler's review is not strict, leading to problems such as misappropriation of mortgage loans, he will be held accountable, so during the final period of loan disbursement, the staff will still check repeatedly. If the borrower is found to have concealed a large amount of debt before the loan is issued, or if the borrower is found to have overdue debt after the mortgage loan is approved, or if the borrower is sentenced to prison term by the court or has his property frozen, the bank may still suspend the loan. After all, when banks issue housing loans, they need to try their best to ensure that they can recover the principal and interest. When the borrower has new debt problems, the ability to repay the loan will be reduced. At this time, if the bank insists on lending, the bank will have to bear the responsibility if the money cannot be recovered in the future. Lost.

Third, there are problems in the bank’s internal links

Passing the mortgage loan review only proves that you can wait in line for the loan, but it does not mean that you will definitely get the money on time. If there are problems in the bank’s internal links, If there is a problem, such as a mistake by the handler or misappropriation of funds, etc., you may not be able to get the money. This situation is generally more likely to occur in private banks, because the capital supervision is not as strict as that of state-owned banks. In addition, the work The recruitment threshold is low, and there will be some people with poor professional skills mixed in. Therefore, once such mistakes occur, the borrower may not be able to get the mortgage in a short time.

Fourth, new policies are introduced

If the mortgage policy is suddenly adjusted, then the mortgage procedures to be reviewed now and the mortgage loans to be issued may start to be adjusted again, because some A person's mortgage application qualifications may not meet the new policies. At this time, borrowers who do not meet the new policies may have to cancel their original procedures or provide information that meets the new requirements. Otherwise, they will not be able to get the loan. However, there are relatively few uncontrollable factors. Generally, when a country introduces a major credit policy, some news will be released in the early stage, which will not catch most home buyers off guard. Therefore, lenders should pay more attention to the policy signals from official media.