There are five ways to query:
1. Telephone consultation: No matter banks or other lending institutions, you can call their customer service, and the institutions will have specialized personnel to provide you with consulting services. You only need to provide your identity and loan information, and they will help you check and tell you how your loan approval is progressing.
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 your account, find the loan progress query in the function bar, and then click Query to know your loan approval progress.
3. Counter inquiry: Small partners who have enough time can also bring their ID cards and loan bank cards and go to the bank counter or the lobby of other lending institutions to inquire. This is also a very convenient way for staff to help you check the progress of loan approval.
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 helped you with the loan and ask him to help you inquire, so that you can quickly know the progress of your loan approval, which is also relatively simple and convenient.
5, APP query; Now many banks and some lending institutions have their own APPs, and there will also be a loan progress inquiry bar in the app. Click Query directly to check their loan approval progress through APP.
Among them, online inquiry is the most convenient, taking China Agricultural Bank as an example:
1. Enter the online banking of Agricultural Bank of China, click Personal Service, and then click Loan.
2. After entering the loan page, click the application progress query to enter the loan progress query page.
3. Enter the ID number and mobile phone number, and you can query after logging in.
Extended data:
The loan has been approved, but the loan has not been released. Reason:
1. Although the loan has been approved, there are problems in the process of lending, so I can't lend you money. At this time, you need to communicate with the staff in time.
2. No bank card is bound. After the bank card is bound, the lending institution will lend money. This is the most basic thing for everyone to remember.
3. The speed of appropriation is a bit slow, and the speed at which each institution issues loans is different. Just wait patiently!
In any of the following circumstances, the borrower shall not issue loans:
1, which does not meet the qualifications and conditions specified in Article 17 of Chapter IV of these General Rules;
2, production, operation or investment in products and projects prohibited by the state;
3, in violation of the provisions of the state administration of foreign exchange;
4, the construction project according to the provisions of the state shall be reported to the relevant departments for approval without obtaining the approval documents;
5, production and operation or investment projects without the permission of the environmental protection department;
6. In the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, and shareholding system reform. , the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided;
7, there are other serious illegal business practices.
Basic introduction
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of housing mortgage loans, the loan ratio has reached more than 70%.
Moreover, in recent years, more and more residents have used their own names or relatives' properties to apply for real estate mortgage loans to revitalize their properties. "Mortgage" has become a way of life closely related to residents' lives.
classify
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.
Entrusted loan Personal housing entrusted loan refers to the loan granted by banks to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to requirements. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Consortium lending
Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.
Loan amount: 80% of the value of the loanable property after being audited by the bank.
Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
How to inquire about the approval progress of ICBC mortgage?
There are many ways to inquire about the progress of ICBC's mortgage approval. You can check online through mobile banking or online banking, or you can check the progress of mortgage approval through offline channels.
1 offline inquiry: users can check the progress of loan approval at the counter of ICBC outlets with their personal ID cards, or directly contact the account manager for consultation when handling mortgage loans.
2 Online Banking Inquiry: Users need to log in to ICBC's online banking and select Favorites-Loan-My Loan-Loan Application Result Inquiry to inquire about personal mortgage approval.
3 Mobile Banking Inquiry: Log in to ICBC Mobile Banking and select Favorites-Loans-My Loans-Inquire about the loan application results and the loan approval progress.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides the documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee.
After passing the examination, the bank promised to issue loans to property buyers.
And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.
Basic introduction
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10.
In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.
Special policy
With no one in the house, the monthly payment will continue.
If the house is unoccupied, according to the Contract Law and other laws and the mortgage loan contract signed by the borrower and the loan bank, the borrower is still obliged to pay off the outstanding loan principal and interest. In other words, if the house falls down, the monthly payment of the house will continue to be paid.
Loans are the relationship between banks and borrowers, and houses are collateral and supplements. Therefore, the loss of the house cannot be used as a reason to stop the monthly payment.
If the relevant property insurance has not been purchased before, the house is damaged and no insurance has been purchased, the owner of the house can only bear the losses caused by the damage to the house. However, from the perspective of government assistance, the government usually gives certain compensation to the affected people, so that they can properly resettle and rebuild their homes.
When people leave, the house becomes an inheritance.
In this case, if a person dies and the property is still there, according to the relevant provisions of the inheritance law, the property will be incorporated into the person's estate. First, the heir will use this person's legacy to pay off this person's pre-life debts (including mortgage loans and other debts, of course).
However, the repayment of debts is limited to the actual value of the person's estate, and there is no legal basis for "father's debt to son". Of course, the law does not prohibit heirs from voluntarily repaying debts that exceed the actual value of the estate.
Second-hand housing sales. How does the seller know whether the buyer's loan has passed the loan approval?
You can go directly to the bank where the buyer applies for a loan. Generally, second-hand housing buyers make loans to banks through intermediaries. You can ask the intermediaries.
Required information:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Extended data
Usually, banks require loans, but they can also lend money in advance under the premise of guarantee, such as tax release, new credit loans, mortgage loans and so on. The problem is that once the loan is made, the owner's funds can be used freely, and the bank loses control of the money, so the bank must ensure safety before lending.
In fact, the safest guarantee is not the guarantee service provided by the guarantee company, nor the real estate license as collateral. The safest guarantee in the world is cash.
If the funds are frozen after the bank lends money, it must wait until the loan is released. In this way, it is actually very safe to lend money on the same day, because the frozen funds are controllable by the bank, which is equivalent to cash guarantee, and the interest can be collected early. The bank gives both parties a certain amount of time.
Require both parties to the transaction to deposit interest for a certain period of time while freezing the account. If the mortgage is completed within the agreed time (for example, three months) and the funds are thawed, the owner can freely use the loan;
If the loan cannot be made within the agreed time, the bank will automatically recover the funds and the loan agreement will be invalid. Of course, in reality, there may be opportunities to extend the time reasonably to ensure that there is enough time.