After the bank loan is accepted, it will take about 15 working days for approval, but the approval time is different in different regions and different banks. If it is not approved for more than 3 months, it may be that the applicant's materials or qualifications do not meet. If this is the case, the bank will also inform. After approval, a contract needs to be signed, and then the loan will be issued according to the contract.
What should I pay attention to when buying a house with a loan?
1, it is best to do what you can.
Buying a house needs a lot of money, so when buying a house, you must do what you can. Don't buy an expensive house if you don't have enough economic conditions. Otherwise, if you can't repay the loan, it will bring pressure to yourself.
2. Give priority to provident fund loans.
The rising mortgage interest rate has brought great pressure to buyers, so it is suggested that buyers can use provident fund loans, and the interest rate of provident fund loans is low. However, when making provident fund loans, it is necessary to ask whether the property can use provident fund, and some properties do not support provident fund loans.
3. Prepare loan application materials in advance.
When applying for a mortgage, the lender needs to provide a lot of information, such as bank running water, income proof, etc., and it takes some time to prepare. Therefore, the lender can know the loan information in advance and prepare the materials, thus making it easier to complete the loan.
4. Ask the bank for help when there is no money to repay the loan.
The loan term is generally 10- 15 years. If you encounter financial problems during the repayment period and can't repay in time, you can ask the bank for help and apply for deferred repayment.
5. Keep personal credit information good.
A good credit must be guaranteed when making a loan, which is the premise of the loan. If you have a good reputation, you can get a quick loan and enjoy preferential interest rates. If the personal credit is not good, the loan application will not pass, and even if the loan is allowed, the interest rate will be raised.
Bian Xiao concluded: The above is about how long it will take to buy a house with a loan. I believe everyone understands! There are many loan procedures for buying a house, and you can only apply for a loan if you meet the loan conditions, so you should be prepared before the loan.