The loan approval process is as follows:

1 materials submitted by the applicant

2. The credit manager first reviews the data and enters it into the system.

3. Review by the credit review department

4 examination and approval department review

5 issue loans

All departments need to sign for confirmation after approval, and enter the next process. The last step is to issue loans. Depending on the bank, it may take a week to speed up and a month to slow down. If you are in a hurry, you can talk to the bank credit manager and help pay attention to the loan. At present, the loan is still relatively fast. As for the normal use of the credit card, the examination and approval department will not check your debt again, because it has been signed and approved, and it is impossible to go through the process again.

Yes, I bought two suites, both when I swiped my card. Nothing happened.

Just after the approval, your credit will not be checked in the later process, and you can use a credit card without affecting the loan.

What do you do with your credit card?

We have to go around.

I think so, but it needs a turn, brother.

After the mortgage is approved, the credit card can be used normally without worrying about the overdraft limit.

You can brush it after passing. Before the approval, the bank's approval process is to look at personal qualifications and require low debt.

can

This can be used, because the money has been approved, and there is only one transfer process left, so don't worry. You can trust me personally for detailed questions. I only went through the formalities years ago.

Yes!

After the mortgage is approved

Your credit investigation was stopped before the application.

What about you in the future?

The bank won't care about you.

Can I swipe my credit card after the mortgage is passed? Pay attention to these things

When handling a mortgage loan, the bank will know the lender's credit and liabilities by querying the credit information. Credit card usage is also a personal debt, which will affect mortgage approval more or less. Some people think that since you can't swipe your credit card after the mortgage is approved, you can swipe your credit card after passing it. Let's discuss it below.

Can I swipe my credit card after the mortgage is passed?

It depends on the situation. There are two situations: lending and not lending.

1, has been lending money.

After the mortgage is over, the bank has already lent money. In this case, it is useless to swipe a credit card.

After all, credit cards are meant for us, not at home. As long as they are normal credit cards, they will not violate the rules.

Feel free to use it boldly. It should be noted that after using the credit card, remember to repay on time. In order to avoid overdue, you should swipe your card within your ability.

I haven't lent it out yet.

The mortgage has passed, and the bank has not yet lent money. It's best not to use a credit card in a hurry, especially not to spend a lot of money on it. You can check the credit information after the bank has passed and before lending.

The loan officer will add the credit record shown in the lender's credit report and the monthly repayment amount of credit card+other+mortgage to calculate the lender's debt. If the total monthly repayment is higher than 50% of the monthly income ratio, the bank will think that the debt is too high and the repayment ability is insufficient, and may not lend.

Summary: you can swipe your credit card through mortgage, but it is recommended to swipe your credit card after the loan. After all, the loan is a foregone conclusion. In the case that the lender repays the loan on time, the bank usually won't recover the loan. In the process of swiping a credit card, it is best to repay it on time, and to develop good card use behavior.

Can I use a credit card (debit card) after the mortgage is approved?

After the mortgage is approved, as long as the user's credit card (debit card) status is normal and there is an available credit line, then the user can swipe the credit card (debit card) normally. During the application for mortgage, users are not advised to use credit cards (debit cards) because overdue repayment may affect the results of mortgage review. And it has been approved, even if the credit card (debit card) is overdue, it will not affect the mortgage.

For users, whether the credit card (debit card) is used or not, as long as it is not cancelled, the credit line will be counted as the user's debt, which will also affect the mortgage line to some extent.

After the mortgage is approved, can I swipe my credit card before lending?

You can brush it and return it before the repayment date.

The bank mortgage loan has been approved, and the credit information will not be checked before lending, because in the process of loan approval, the personal credit information record must be checked before the loan is approved.

However, before lending, it is best to keep a good personal credit record to prevent the approved loan from being audited again.

Extended data

Mortgage loan purchase process:

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. Loan application

After confirming that the property you choose has bank mortgage support, buyers should know about the bank's regulations on mortgage loan support for buyers, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign a house mortgage contract.

After signing the purchase contract and obtaining the payment voucher, the purchaser signs the mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the rights and obligations such as loan amount, term, interest rate and repayment method.

5, mortgage registration, insurance,

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. Before the loan principal and interest are paid off, the insurance policy shall be managed by the bank.

6. Open a special repayment account

After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears of the bank and mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.