2. Inquiry in official website: Generally, banks or other lending institutions have their own official website. You can inquire about the progress of loan approval in official website. You can enter an account, find the loan progress query in the function bar, and then click Query to know the loan approval progress.
3. Counter inquiry: If you have enough time, you can bring your ID card and loan bank card to the bank counter or the lobby of other lending institutions and ask the staff to help you check the progress of loan approval. This is also a very convenient method.
4. Contact the account manager: When applying for a loan, it is usually negotiated by the account manager, and the applicant can directly consult the account manager if he has any questions. So you can directly find the account manager who handles the loan and ask him to help you inquire, so that you can quickly know the progress of your loan approval, which is easier and easier.
5.app query: Now many banks and some lending institutions have their own apps, and there will also be a loan progress query column in the app. Click Query directly to check their loan approval progress through app.
What are the reasons for being refused a loan?
1. Credit information has a stain: banks attach great importance to personal credit information. In principle, if the lender accumulates six overdue records three times in a row within two years, the bank can refuse the loan. But different lending banks have different requirements. When handling bank loans, property buyers can also consult several banks for comparison. Some friends may not care much about their credit information at ordinary times, and don't know if they have overdue records. General overdue records include credit card repayment, mortgage repayment and car loan repayment. , it will affect personal credit information.
2. There is something wrong with the property right of the house: not all houses can be purchased by loan. For houses with unclear property rights, banks will directly refuse loans, such as small property houses. Small property rights refer to houses without property rights. Without proof of property rights, banks will face great policy risks in granting loans. In addition, friends who buy second-hand houses should pay attention. Second-hand houses that are too old will also be refused loans by banks. General banks will restrict loans to second-hand houses with a 30-year-old house. Before buying a second-hand house, buyers must look at the age of the residential area, otherwise it will affect the loan approval.
3. Lender's age: In addition to the age of the house, the age of the lender is also a major factor affecting bank loans. The bank mainly considers that the income of the lender may decrease with the increase of age, and the repayment ability will weaken. Generally, 25-40 years old is a popular loan group for banks, while the application for housing loan submitted by older lenders aged 50-55 years old will not be approved by banks.