How long does it take for the mortgage bank to sign face-to-face to know whether it has passed?

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.

What does the bank face-to-face sign mean?

Face-to-face signing at the bank refers to the process that the borrower (together with the repayment person or guarantor) needs to carry the original ID card, stamp and loan fee until the bank signs the receipt and contract, and then face-to-face signing and signing.

The purpose of bank face-to-face signing is to verify the identity of the borrower and the authenticity of the loan purpose, reduce the risk of lending, and prevent the borrower from being unable to repay the loan and maliciously defrauding the loan.

The interview must be completed by the borrower himself and cannot be replaced by others.

What conditions will be rejected for face-to-face mortgage?

1, credit history

As we all know, credit record is the label of everyone's credit, and it is also an indispensable condition for applying for a mortgage. The average bank will look at your five-year loan record and two-year credit card record. If the bank is strict, it will look at the records for longer. If you have a bad credit record three times in a row or six times in total, then the bank will refuse the loan.

2, bank flow, income certificate

In fact, the bank will also check the borrower's income certificate and the bank's running water. Generally, the borrower's monthly income is required to be twice that of the mortgage. If the borrower is repaying other loans, it is necessary to ask for twice the existing loans and mortgages. But income is also based on family. If one person's income is not enough, you can use two people.