After the first home loan application is submitted, the bank will generally complete the audit within one to two weeks, and then issue the audit results. After receiving the approval notice, it is necessary to sign a loan contract at the outlet within the agreed time and go through the relevant procedures such as mortgage registration. This link will take about three to five working days, not more than a week, and then the bank will enter the lending stage, usually within one month.

It can be seen that it takes about one or two months to handle the whole process of the first home loan.

However, sometimes banks are short of funds and busy, which may drag on, and it may take two or three months to approve, even three or five months, or more than six months.

We can only wait patiently for this.

If you really wait too long, you can take the initiative to call the bank customer service and ask about the specific loan progress. If the bank's delay in lending is not due to its own credit problems, it can appropriately urge the other party not to lend for a long time.

Generally, when people use the credit records of the central bank, they will leave traces of inquiries, which is not good for friends who borrow money, and most online loans have no credit function, so they can't find specific online loan information in the credit information, but now they can know their personal data through "Xiaoqi Credit Information". Without inquiry records, they can also learn more about overdue online loans, application records, untrustworthy information, online loan blacklists and other information.

Extended data:

Can I check out after the house loan is repaid for three months?

The house loan is repaid for 3 months, and check-out is not supported at this time.

First of all, the user has signed a mortgage contract with the bank, and checking out means canceling the mortgage contract. Of course, the bank will not agree with the user to terminate the mortgage contract without reason.

In addition, the user also signed a purchase contract with the developer. Only when the purchase contract is terminated, the user can return a house that has been sold, and the developer will definitely not agree with the user to return a house.

At this point, the user can only choose to pay off the mortgage in advance, and then sell the property to others after obtaining the real estate license to meet the selling conditions.

Or the user directly negotiates with the bank to auction the real estate, so that the funds obtained from the real estate auction will be used to return the remaining mortgage to be repaid, and the bank will return this part of the funds to the user, which is also a way of returning the house.

Please consider whether you need a loan to buy a house before applying for a mortgage. If you don't just need it, just need to invest, then you must be careful whether you need a loan to buy a house.