Recently, netizens have indicated that their mortgages have been signed for 10 days, but have not been notified by the bank and are not aware of the success of the appropriations. This situation is not uncommon in the process of buying home loans and may create many unnecessary concerns and pressures on borrowers. Next, we will analyse the problem from several angles and give some solutions。

Ten days to sign the mortgage

First, it needs to be understood that even if the loan is successful, the bank cannot immediately inform the borrower. This is due to the fact that, during the audit process, banks need to exercise rhythm control and review a number of factors, such as the borrower ' s credit position, repayment capacity, etc. At the same time, there is a need for re-checking and approval within the bank after face-on. Therefore, even if you did not receive any information after the face-to-face, you need not be too worried and nervous。

SECOND, AS A BORROWER, THE PROGRESS OF THE LOAN CAN BE ASCERTAINED BY: FIRST OF ALL, IT IS POSSIBLE TO MAKE A CALL TO THE BANK FOR INFORMATION. SECOND, IF AN ONLINE APPLICATION IS SELECTED IN THE LOAN APPLICATION CHAIN, THE PROGRESS OF THE LOAN APPLICATION CAN BE CHECKED THROUGH THE BANK WEBSITE OR APP. IN ADDITION, SOME BANKS SEND TEXT MESSAGES OR E-MAILS TO BORROWERS TO INFORM THEM OF THE APPROVAL PROCESS. WHEN ASKED ABOUT THE PROGRESS OF THE LOAN, THE BORROWER MAY PREPARE VALID DOCUMENTS SUCH AS HIS/HER IDENTITY CARD。

Moreover, in the course of a home purchase loan, the borrower may submit a more urgent application to the bank, which will normally be granted for shorter periods. However, there is a need to pay a certain amount of money for urgent approvals, and some banks still have more expensive ex ante approvals, so that, if the economic situation permits, an accelerated application can be considered, but the trade-off is good。

Finally, if the bank has not been notified for a long period of time, an attempt can be made to contact the bank's loan manager or operator to find out the circumstances. Care needs to be taken, however, not to access the progress of loans through unknown channels in order to avoid risks such as the disclosure of personal information or fraud。