I have applied for a personal housing business loan in China Bank. You can check the loan approval progress under my name at China Bank. You can also contact the loan handling bank directly to understand the progress of loan approval.
Second, how to check the approval progress of personal housing mortgage loan of China Bank!
Inquire about the progress of applying for a loan from China Bank:
1: online inquiry, where the borrower logs on to China Bank official website to inquire about the loan progress.
2. Counter inquiry: The borrower can bring the loan-related documents and his ID card to the business counter of the application branch to inquire about the loan progress.
3. For telephone inquiry, you can call the customer service hotline 95566 for inquiry.
3. How can China Bank check the progress of mortgage application?
Hello, Bank of China mobile banking (operation path: loan application-"application progress inquiry"), personal online banking (operation path: loan management, loan inquiry and setting-application progress inquiry) and official WeChat account of Bank of China (operation path: loan management, loan inquiry and setting-application progress inquiry): small loan function hall-my loan) "application progress inquiry") can inquire about the loan approval under my name. After you apply for a loan in China Bank, you need to approve the loan and fulfill the preconditions (such as mortgage registration) before you can get a loan. Therefore, it is recommended that you check the loan approval status through the handling bank. First log in to China Bank (version number v.2. 10), then fill in your mobile phone number and log in to China Bank. You can check the application progress in the loan inquiry and setting: 1. What is a bank loan? Bank loan refers to an economic behavior that banks lend funds to people in need of funds according to national policies, at a certain interest rate and with an agreed repayment period. Generally, it is required to provide guarantee, house mortgage or proof of income, and make good personal credit information before applying. Legal basis: Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, and the lender requires the borrower to pay interest at the agreed interest rate, the people shall support it. The interest rate agreed by both parties exceeds the annual interest rate of 36%, and the interest agreement exceeding the part is invalid. If the borrower asks the lender to refund the interest exceeding the annual interest rate of 36%, the people should support it. 2. The five-level classification of bank loans is: (1): normal loans: the borrower can perform the contract and always repay the principal and interest normally. There are no unfavorable factors affecting the timely and full repayment of loan principal and interest, and the bank is fully confident that the borrower can repay the loan principal and interest on time and in full. The probability of loan loss is 0. (2) Pay attention to the loan: Although the borrower has the ability to repay the loan principal and interest at present, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected. The probability of loan loss will not exceed 5%. (3): Sub-prime loan: The borrower has obvious problems in repayment ability, and cannot fully repay the loan principal and interest by relying entirely on its normal operating income. It needs to repay interest by disposing of assets, external financing and even implementing mortgage guarantee. The probability of loan loss is 30%-50%. (4): Suspicious loan: The borrower can't repay the loan principal and interest in full, even if the mortgage or guarantee is implemented, it will certainly cause certain losses, but the amount of losses is uncertain because of the borrower's reorganization, merger, merger, mortgage disposal, pending litigation and other factors. The probability of loan loss is between 50% and 75%. (5) Loss loan: refers to the possibility that the borrower repays the principal and interest free of charge. No matter what measures and procedures are taken, the loan is bound to be lost, or although a small part can be recovered, its value is negligible.
4. How to check the progress of mortgage approval?
1. Ask the credit manager.
Generally, an account manager will contact the customer when handling the mortgage in the bank, and he will be responsible for all the related matters of the loan business. If you want to check the progress of mortgage approval, you can ask the account manager directly, and he will give the corresponding answer. But many times, the credit manager's answer to our borrowers is nothing more than that the loan is under review or can't be loaned. Of course, there will be other situations: for example, the application materials submitted are incomplete, or the loan application amount is too high. However, in these cases, the credit manager will usually contact the borrower at the first time.
2. Telephone enquiry
Many banks' personal loan departments have people who are responsible for this kind of consulting information. You might as well just call and ask. Usually he can answer some policy questions for borrowers and then provide specific solutions.
3. Online inquiry
At present, some banks have opened the online loan inquiry function. You can log in to official website, the bank that handles the loan, look for the column of "Loan Progress Inquiry", and then follow the instructions on the website to inquire about your mortgage handling.