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.