The approval of mortgage is carried out by the bank, and the approval of credit card is completed by the credit card center. The two cannot be approved together. However, users are mortgage customers of banks. As long as the mortgage is approved, the probability that the credit card is approved is also high. Of course, it is not excluded that the mortgage has passed and the credit card has failed.

For credit cards that fail to pass the examination and approval, users can try to apply again at regular intervals, or apply for a low-grade credit card to improve the chances of passing the examination and approval.

What is the bank mortgage approval process?

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2. Review by the credit review department. After receiving the materials submitted by the institution, the credit review department will review them in accordance with the relevant regulations of the bank. In case of doubt or omission, the operating agency will be required to supplement the materials. If the material does not meet the requirements, it shall be returned to the operating organization (the general organization shall review it by itself when submitting it). After the audit is completed, the auditor will issue an audit opinion and submit it to the person in charge of the audit department for audit.

3. recognition. The person in charge of the credit review department shall submit it to the leaders in charge of the branch for examination and approval. Normal leaders will pass it directly after seeing it, and rarely refuse it, usually within three days.

4. Borrowing: After being approved by the leaders in charge, the audit department can issue a Notice of Approval Opinions and hand over the materials to the operating institutions. At this time, the account manager can take the relevant materials to the lending center to apply for lending.