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.
What are the main aspects for banks to approve mortgages?
1, personal credit information
Personal credit investigation is your personal credit record in the bank, including all your credit business dealings with the bank, including past lending and credit card use. Through your past historical credit information, make a judgment on your overall credibility.
These data are often analyzed according to the unified personal credit report of the central bank. Personal credit report mainly records loan business, such as bank loan application. It should be noted that in addition to the bank's loan application, it also includes the loan records of some other platforms, such as Lending Bao, installment music and other loan platforms. Loan records will also be recorded.
In addition to loan accidents, there is also an important sector, which is the use of bank credit cards. Credit cards are used frequently, and bills are basically generated every month. However, once the credit card is overdue, the personal credit record will be damaged, and the personal credit record can be inquired within 5 years.
2. River bank flow
What is bank running water? In fact, it is the flow of funds in your personal bank account, including incoming and external directions. Such as operating income, wages, loan repayment, daily consumption, etc. will be recorded. Personal bank flow mainly reflects two states of personal economy. One is personal income, which can evaluate the upper limit of your loan amount. The stronger the individual's financial ability, the higher the upper limit of the loan that can be repaid and the easier it is to pass the trial. The first point is to reflect your personal consumption. The stronger your personal spending power, the easier it is to become a potential customer of the bank, so the higher the probability of passing the trial. Of course, high personal income and strong spending power are all added points, but banks also need to judge whether you have reached a balance of payments. If high income and high consumption are accompanied by overdraft consumption every month, banks will also have risk assessment.
3. Work certificate
Proof of work is actually to confirm the stability of your income. We know that bank loans have preferential policies for some positions, such as civil servants. Because they have stable jobs and stable incomes, the repayment of loans will naturally be relatively stable, and the risk of bad debts of banks will be greatly reduced. On the contrary, in some high-risk industries, banks will have higher standards for mortgage loans, such as flight attendants and entertainment venues. The work certificate is generally the company's direct dismissal certificate.