Not only will it sue, but it will also cost money for a credit check (which is more serious than being overdue). We should get compensation in advance, call the insurance company, and declare that the repayment problem can be solved without compensation.

Otherwise, we will not assume responsibility and keep records. If debt is transferred, many legitimate opportunities are lost.

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How to get a bank loan?

1. Prepare relevant materials and apply to the bank. Application materials generally include loan application form, applicant's ID card, household register, marriage certificate, income certificate, property rights certificate of the mortgage, and good credit records of the applicant and guarantor, etc. After paying the relevant fees, the applicant can go to the bank or a law firm entrusted by the bank to submit relevant materials for inspection and sign a contract.

2. The bank will conduct pre-loan approval. After the applicant applies for a loan from the bank, the bank needs to review the customer. For qualified loan applicants, the bank will approve the loan. If unqualified, the bank will return the loan applicant's application materials and make corresponding explanations

3. Go through other legal procedures. In addition to the loan contract, loan applicants also need to go through some legal procedures. If you are a mortgage loan applicant, you also need to go to the relevant department to complete the mortgage registration and filing for future inquiries.

4. Bank loan. After the relevant procedures for the loan applicant are completed, the bank will approve the loan based on the borrower's evaluation or submit it to the superior for approval. Then, bank staff will inform the borrower of the loan amount, loan term, loan interest rate and other relevant details, and issue a loan instruction to transfer the loan to the customer's account.

What can be done to shorten loan approval time?

1. Pay attention to maintaining personal qualifications. For loans, banks have strict requirements on the borrower's credit reference and repayment ability. Therefore, borrowers should pay attention to maintaining personal credit and maintaining sufficient bank flow. In terms of credit reporting, not only must there be no overdue records in the current period and no overdue records within a certain period, but there must also be no bad debts and too many inquiries. In addition, the credit record should also have certain credit card or loan usage records and cannot be empty. In terms of bank flow, try to ensure that the monthly income is more than twice the sum of the monthly housing loan and other current liabilities

2. Avoid the bank quota tightening period. Every year, banks will have one or two tightening periods, especially End of the year. During a period of austerity, banks are very limited in the loans they can issue, so they are more stringent in loan approvals and home loan approvals slow down. Therefore, before applying for a housing loan, you must first understand the bank's loan policy and quota status, and try to avoid the tightening period of the bank's quota

3. Avoid short and long holidays when applying for a housing loan, try to avoid National Day, Spring Festival, etc. Longer holidays, because banks are generally closed on non-working days and loan approval will be suspended. Applying for a home loan before a long holiday can waste a week. Applying for a housing loan immediately after a short holiday will also lead to delays in housing loan approval