If mortgage disbursement is slow, it is mostly caused by the shortage of bank quotas. If business is busy again, the disbursement will naturally be delayed.
Moreover, the mortgage loan process itself is relatively complicated, and the loan funds will not be released immediately.
Under normal circumstances, the mortgage loan will be disbursed within one to two months after approval. However, if the bank business is busy and funds are tight, it may take three to five months, or even longer.
It should also be noted that the state has also tightened control over the real estate market, so many banks have tightened mortgage lending, which is also one of the reasons for slow lending (the central bank and the China Banking and Insurance Regulatory Commission issued the "About the Establishment of the Banking Industry"). "Notice on the Concentration Management System for Real Estate Loans of Financial Institutions", which sets an upper limit for the balance of real estate loans and an upper limit for the balance of personal housing loans).
For this, we can only wait patiently.
For example, if you apply for a mortgage at the end of the year, because bank funds are generally insufficient at the end of the year, coupled with the bank's year-end settlement, many people have to wait until the end of the year to receive the loan funds at the beginning of the next year.
Generally speaking, everyone uses the central bank’s credit records, which will leave traces after checking. This is not a good situation for borrowers. In addition, most online loans do not have credit records, making it impossible to obtain specific information about online loans. However, you can learn about personal data through "Balloon Check", including inquiry records, online loan overdue information, application records, dishonesty information, online loan blacklists, etc., and there is no inquiry record.
Extended information:
Can I get a loan to buy a house if my provident fund is sealed?
If the housing provident fund is sealed, you will not be able to apply for a provident fund loan to buy a house, because you can only apply for a provident fund loan when the housing provident fund account is in normal payment status.
However, although provident fund loans cannot be obtained, you can apply for commercial loans to buy a house.
As long as your personal credit remains good, there are no bad records in your credit report, you have a stable and legal source of income, and you have the ability to repay the principal and interest of the loan on time.
Of course, the interest rate of commercial loans is higher than that of provident fund loans, and naturally it is not as favorable as provident fund loans.
However, you can rest assured that after the housing provident fund account is opened, you can also go through the business transfer from business to public.
Of course, you can only apply for a business-to-business transfer after one year of repayment of the commercial loan, and you must ensure that your credit record is good, there has been no overdue behavior, and the housing provident fund has been paid in full and on time continuously. The time has reached six months, and at the same time, no provident fund loan has been taken out or has been settled in the name.