Probably because the bank's mortgage amount is insufficient, the speed of the next payment has been slowed down. But now that it has passed the audit, there is no need to worry that the bank will default on the payment. If it's urgent, you can go to the bank outlet to urge it.

In order to prevent real estate speculation, the state's supervision of the property market has become more and more strict in recent years. At the end of last year, the China Banking Regulatory Commission and the Central Bank jointly issued the Notice on Establishing the Centralized Management System for Real Estate Loans of Banking Financial Institutions, which clearly stipulated the restrictions on the loan ratio of banks to mortgage loans. According to the regulations, the upper limit of real estate loans for large banks is 40%, and the upper limit of personal housing loans is 32.5%; The upper limit of real estate loans for Chinese medium-sized banks is 27.5%, and the upper limit of personal housing loans is 20%;

What effect does this restriction have on banks? Under normal circumstances, depositors deposit 654.38+10,000 yuan in the bank, of which the bank has to pay 654.38+06% of the deposit to the central bank, and the money that the bank can really use is only 84,000 yuan, and some of it has to be left to the bank for operation. Let's assume that this part of the money is 6.5438+0.4 million yuan, so the money available for loans is only 70,000 yuan. The bank's loan business is not only mortgage, but also corporate loans, credit loans and other loan businesses.

Compared with other loan businesses, although the profit of mortgage is not high, it is the most stable, and the non-performing rate is far lower than other loan businesses. Therefore, the bank's loan funds are mainly biased towards the mortgage business, and the personal loan ceiling is only 22.5%. According to the above example, this 70,000 yuan can only be used for mortgage loan with 15750 yuan.

Judging from the loan ratio stipulated by the central bank, if the demand for mortgage is small, then the loan will be easy to handle. Generally, it only takes about 2 weeks from loan approval to loan release. Of course, the speed of the next payment depends on the situation. If you use provident fund loans and portfolio loans, most of them have to wait until the house is capped, which is relatively slow.