1. How long does it take to apply for a mortgage?
Under normal circumstances, the mortgage review time is about 3-4 weeks. When the bank is short of funds at the end of the year, it will be delayed, and it will take about 2-3 months to approve it. The specific time depends on whether the proof materials submitted by the borrower are complete and whether the bank loan amount is sufficient.
2. What are the approval procedures for mortgage loans?
1. Fill in the borrower application form and provide loan materials.
The borrower needs to provide ID card, marriage certificate, household registration book, income certificate, bank account and other relevant documents.
2. Account Manager Input System
The bank account manager first conducts a preliminary review of the credit materials submitted by the borrower, and then signs a credit authorization letter with the borrower. If the borrower has a bad credit record and the credit card has serious continuous overdue and accumulated overdue times, the bank will directly refuse to give you a loan. Finally, the account manager will input, scan and upload the borrower's information to the system and submit it to the leader for review.
3. Review by the Credit Department
The credit department examines whether the borrower's personal credit information has bad records and whether the submitted documents are complete.
4. Approver's approval
Credit records, repayment ability, bank flow and other materials meet the relevant regulations, and the mortgage can basically be confirmed.
5. Bank loans
The two sides signed a loan contract and went through the formalities of mortgage and guarantee. After the bank lent money, the borrower began to repay the mortgage every month.
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