Do you know the result at the mortgage interview site?

How soon can I know whether the bank approves the loan after the face-to-face signing?

Under normal circumstances, after the loan is signed in person, the bank will send the signed loan approval letter to the borrower within 3-5 working days. Therefore, it usually takes 3-5 working days for the lender to know whether he has passed the bank audit. In addition, because after the face-to-face signing, there are still many procedures to go through, such as auditing, mortgage and taking other items, and it depends on whether the loan bank has a quota.

About 3-5 days

Generally, the results of bank loan business will be obtained about 3-5 days after face-to-face signing. The bank will inform customers of the specific audit results by SMS, telephone and other forms. Users can also call the customer service hotline and other ways to query the results. After the face-to-face signing is passed, the loan will generally be released, but the actual lending time will fluctuate.

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What will be checked when applying for loan bank approval?

1. Credit report: When a borrower applies for a housing loan, the bank will first investigate the borrower's credit report, that is, inquire about the borrower's credit report. If there are three or six consecutive overdue repayment records in the last two years (that is, three consecutive times and six consecutive times), the loan may be refused.

2. Proof of income: Generally speaking, the bank's requirement for repayment ability is monthly income ≥ monthly mortgage payment X2. If the borrower is repaying other loans, the monthly income is required to be ≥ (existing loan+monthly mortgage payment) X2.

3. Bank flow: Bank flow is the direct evidence of income proof, and it can also directly reflect the applicant's spending power and tax payment. Banks generally require applicants to provide complete bank flow for the last six months. If the bank is short of running water (mortgage generally requires running water twice as much as monthly payment), the bank may also refuse to lend.

4. Age and occupation: The age and occupation of the borrower reflect its repayment ability and stability from the side. The age required for banks to review loans is 18-65 years old, among which 25-40 years old is the most popular group, followed by 18-25 years old and 40-50 years old. People aged 50-65 are more likely to get sick, which will affect the normal repayment.

5. Liabilities: If the borrower still has other loans outstanding, or the credit card owes a lot, the bank will question the applicant's repayment ability and may refuse the loan.

6. Marital status: Many times, in the eyes of banks, married people are more stable than single people. For married people, if both husband and wife apply for loans at the same time, it will not only improve the chances of being approved, but also easily obtain a higher loan amount. It should be noted that both husband and wife are required to be present when the mortgage is signed in person, and the original marriage certificate and household registration book are provided; Divorce requires a divorce certificate.

How long will it take to know whether the bank has passed the mortgage interview after the mortgage interview?

To improve the motivation of their lives, after the face-to-face signing of the bank, are many people more concerned about their loan progress? Then how long will it take to know whether the bank has approved the face-to-face mortgage, and what is the main inspection of the bank for the face-to-face mortgage? You can know in advance and prepare for the key points.

It is estimated that many people buy houses through loans, which can alleviate the pressure of buying houses at that time, and repaying loans on time every month can improve motivation. After the face-to-face signing of the bank, are many people more concerned about their loan progress? Then how long will it take to know whether the bank has approved the face-to-face mortgage, and what is the main inspection of the bank for the face-to-face mortgage? You can know in advance and prepare for the key points.

How soon can I know whether the bank has approved the mortgage after the face-to-face signing?

The audit time of each bank is different, but generally the results will be known in about 3 days at the latest. Face-to-face signing means that the borrower pays the loan fee at the bank with his legal and valid documents and related procedures. As well as interview and signature confirmation procedures. At the same time, face-to-face signing also refers to face-to-face signing. One of the main points of face-to-face signing is to dispel the other party's doubts about your immigration tendency.

The main review of the bank's face-to-face mortgage signing

First, the prerequisite for judging repayment ability: marital status.

1. If married, both husband and wife should be present and provide the original marriage certificate and household registration book;

2. If you are divorced, you need to provide it.

Because the bank judges the borrower's family repayment ability and housing situation by family as a unit when lending money, and determines the loan amount and loan interest rate by this, the marital status of the borrower is an item that the bank must check.

2. Proof of repayment ability: proof of income and bank running water.

When the mortgage is signed face-to-face, the borrower's income certificate and bank running water are also key audit items, because these two items reflect the borrower's repayment ability. Generally speaking, the monthly income is greater than or equal to the monthly mortgage payment X2. If the borrower is repaying other loans, the monthly income is required to be greater than or equal to (existing loan+monthly mortgage payment) X2.

Third, stable work: a copy of the company's business license.

A copy of the company's business license, which shows that the lender has a stable job, must be stamped with the company's official seal. However, if the borrower works in a state-owned enterprise or institution, he can only provide a work permit or employment certificate.

Four. Determine the loan amount and interest rate: the current housing situation.

If you apply for a loan by buying a second suite, you need to provide the real estate license and loan contract of the second suite, and if the first suite has repaid the loan, you need to provide the loan settlement certificate.

Because housing ownership directly affects the number of housing units, loan amount and loan interest rate of borrowers applying for second homes.

Verb (abbreviation of verb) personal credit label: credit report

When the bank signs face-to-face, it will check the credit information of both husband and wife on a family basis. Some banks will check the borrower's family's loan records within five years and credit card records within two years, and some banks will check the time range more widely. Due to different banking policies, the degree of credit easing will be different.

How long will it take to know whether the bank has passed the examination after signing the mortgage face to face, and what will the bank mainly examine when signing the mortgage? After reading the introduction above, you should already know something about it. In fact, the review time of mortgage after face-to-face signing is different according to different banks, but basically the results will be known in about three days. When signing face-to-face, banks mainly look at personal marital status, repayment ability, income certificate and personal credit report.

Will the mortgage be approved on the day after the face-to-face signing?

First of all, answer directly.

After the mortgage is signed, it does not mean that the mortgage has passed. As long as the mortgage has not been paid, it can't be said that things have been solved.

Second, the specific analysis

After the face-to-face signing, the bank will still review the qualifications, and if problems are found, the loan will also fail.

After the face-to-face mortgage signing, the bank may also pay attention to the following situations.

1. Whether the loan information is complete and whether there are any mistakes or omissions.

During the face-to-face interview, the bank will ask for some supplementary information, which will be sorted out after the face-to-face interview. If problems are found, it will also affect the mortgage approval.

2. Continue to pay attention to credit information.

Credit investigation is a very important reference in the process of mortgage review. If the face-to-face signing is overdue, the mortgage will also fail.

3. Worrying income situation.

Income is an important guarantee to repay the mortgage. If there is a problem with the income before repaying the mortgage, the bank may refuse the loan application in order to control the risk.

It can be seen that as long as there is no mortgage, you should be careful. The following things are best not to be done, so as not to affect the mortgage payment.

1, suddenly resigned and lost his source of income.

Be careful when changing jobs before the mortgage is paid, and don't leave your job easily.

If you apply for a provident fund loan, resignation will also lead to the closure of the provident fund account, which will directly affect the result of the provident fund loan.

2. Don't borrow other loans to increase the debt ratio.

If the debt ratio rises during the mortgage review, it will increase the bank's concerns, so be cautious when applying for a loan before the mortgage is repaid.

Don't vouch for others easily.

The guarantor of the secured loan will bear joint and several liability for repayment. Providing guarantees to others will undoubtedly increase their pressure, and banks may refuse loan applications once they find out.

4, don't appear loans overdue.

Once loans overdue, it is likely to leave a record of non-performing loans on the credit information, which will directly affect the results of mortgage approval.

Just search: Xiao Qi New Tea. 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.

Third, how to cancel the mortgage after the mortgage is finished?

After the mortgage is paid off, in order to understand the mortgage procedures, you must first go to the mortgage handling bank outlets to handle the loan settlement procedures, handle the loan settlement certificate, and get back his warrants; Then you can go to the local housing authority to cancel the mortgage registration with your personal ID card, loan settlement certificate, other warrants and real estate license.

Of course, you can rest assured that the procedures for removing custody are not complicated. After the information is submitted to the staff, the staff will help you handle it immediately and do it on the spot. However, if there are more business personnel in the Housing Authority, it may be necessary to queue up.

If you are not in a hurry, you can do it in your spare time. There is no time limit for the mortgage cancellation. You can do it at any time.

And if you don't have time at the moment, you can entrust others to do it for you. You don't have to do it yourself. Go to the notary office to issue a power of attorney, and then let the trustee take the relevant information and his ID card and power of attorney to do it for you.