Before mortgage lending, if the bank is short of funds/busy with business, it will lead to a backlog of approval documents, thus extending the lending time. As long as the delay is too long, in order to ensure whether the user's qualification has changed, the bank may conduct a second examination and approval. If users spend a lot of credit cards during the loan waiting period, it will increase their personal liabilities, which will have a greater negative impact on the loan and lead to the rejection of the loan.
In addition, users need to pay attention to these before mortgage:
1. Don't make overdue payments. If there is still an outstanding credit account under the user name, the user still needs to maintain a good loan behavior of timely and full repayment before the mortgage loan is issued. If the current account is overdue at the time of the second approval, the mortgage will be directly refused. If the waiting period of mortgage loan is long, during this period, if the user's credit report is overdue for three consecutive months, it will be blacklisted and it will be impossible to successfully apply for a loan in the near future.
2. Don't apply for loan products. If you apply for a loan while waiting for a loan, it will increase the user's debt, just like the large consumption of credit cards. At the same time, it will also make lending institutions think that users have the behavior of supporting loans with loans, which will increase the risk of lending. In order to avoid risks, banks will definitely refuse to lend.
Don't leave your job. Stable work ensures that users have a stable income enough to continue to complete the monthly mortgage repayment. Once you leave your job during the loan waiting period, the lending institution will think that the user's repayment ability is insufficient, which will affect the loan approval result. In particular, the provident fund housing loan application, as long as there is resignation, the provident fund will be paid off, which is easily detected by the provident fund management center, resulting in the loan being rejected.
4. Don't vouch for others. The guarantee will be shown on the guarantor's credit report in the form of debt, and making a guarantee for others means that the user has more invisible debt. If the warrantee fails to fulfill the repayment obligation successfully, the guarantor shall make compensation according to the joint liability of the guarantee. At this time, it will increase the risk of lending and increase the difficulty of mortgage approval.
Therefore, before the mortgage is successful, there is still the risk of refusing to lend. Please don't take it lightly. After the loan is successful, users need to repay in full and on time, and maintain a good credit record.