1. Telephone enquiry:
Call the customer service phone of the loan bank and inquire through manual customer service. At the same time, the borrower can also contact the account manager of the loan bank branch to inquire about the progress.
2. Bank official website or Bank APP query:
Borrowers can log in to the loan bank official website or APP to inquire, and find the loan progress in the function bar to inquire.
3. Counter enquiry:
Bring your valid ID card, go to the business outlet of the loan bank and check the progress at the counter.
How long will it take to approve the mortgage?
Personal mortgage loans, different banks or different housing loans, the lending time is different. Mortgage loan lending time is mainly divided into:
1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to apply for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.
2. Mortgage loan for commercial housing is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.
3. If you want the bank to lend money quickly, you can lend money with a receipt and lend money within 3 working days after the transfer. 400 yuan guarantee fee is required. It usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license.
Materials required for mortgage loan:
Generally speaking, you need ID card, household registration book, marriage certificate, income certificate, running salary, etc. It is understood that some local commercial banks do not accept individuals to apply for personal mortgages directly from banks, and all of them are directly connected with banks by intermediaries or some professional institutions, and they are unified and centralized. As for the specific procedures of provident fund loans or portfolio loans, you can directly consult the local housing provident fund management center.