It takes about 5 working days for bank approval, and about 15 working days from application to loan. There are still many processes to be coordinated between buyers and sellers. The specific process and time limit are as follows: n 1, house inspection, agreement between the buyer and the seller, payment of house purchase deposit: 1 day n2, submission of loan application and signing of loan contract: 1 working day n3, real estate assessment, third-party guarantee: 1-2 working day n4, and bank approval: 5 working days n5. Paying taxes and obtaining mortgage registration: 3 working days n8. Lending from the bank to the seller, property delivery and final payment: 3. Housing provident fund loan. Developers need to go to the real estate bureau and the provident fund center to go through the relevant filing procedures for the corresponding loan property. Only after successful filing can you apply for provident fund loans, and unregistered properties cannot apply for provident fund loans. In the case of complete information and sufficient funds for provident fund, the borrower will submit the application materials to the handling personnel for approval on the same day, sign the loan contract at the co-bank on the same day, and the co-bank will go through the mortgage formalities in the housing management department within three days, obtain the mortgage registration information after 12 working days, and issue loans again and again for three to four weeks. The following is an inquiry about how long the housing loan can be approved. N It generally takes 1-3 months to apply for a housing provident fund loan. N housing provident fund loan process: n 1, and employees provide handling materials; N2, approved by the management center; N3。 The management center issued the Notice of Entrusted Loan of Housing Provident Fund; N4。 The borrower signs a loan contract with the entrusted bank; N5。 The entrusted bank issues loans. I hope my answer can help you.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

How long does it usually take to approve a mortgage?

Generally speaking, the approval time of mortgage is about 15 days. Usually our loan approval is 15 days. In case of policy change, the time can be extended to 1 month. Of course, when banks are short of funds, loans also need to be queued. Then the loan time will be further extended.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Loan application information:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).

note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.

Loan amount:

1. residence: the maximum loan amount can reach 70%-80% of the appraised price;

2. Apartment: The maximum loan amount shall not exceed 60% of the appraised price;

3. Villa: The maximum loan amount shall not exceed 70% of the appraised price;

4. Commercial house: The maximum loan amount shall not exceed 60% of the appraised price.

How long does the housing loan usually come down?

Question 1: How long does it usually take for individual housing loans to be completed? Usually about a month. Look at the bank's quota. But it also varies from person to person. China is so nice. I finished it in three days.

Question 2: How long does it usually take for CCB housing loans to come down? I need 40 days to hand in the form and loan. State-owned banks are like this, and there is no guarantee.

Question 3: How long does it take to apply for a housing mortgage loan? Generally, it takes 22-25 working days to lend money.

Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.

Question 4: How long does it take to apply for a housing mortgage loan? If you apply for a loan through our bank, the loan approval time is generally around 15 working days. Because it involves evaluation and other links, please contact the loan handling bank to learn more about the specific lending time.

If you have any other questions, please log in to "Online Customer Service" (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

Question 5: How many days can the individual housing mortgage loan be completed? You can't apply for a mortgage on weekends.

If your information is complete and simple, it will be submitted to the bank for review. The review time will be five to seven working days, and you will be informed whether the bank approves the loan. There are two forms of face-to-face signing, one is to go to the bank to refer to its office location, and the other is for the bank to send someone over.

Good luck!

Question 6: How long does it take to approve the housing provident fund loan to buy a house? The approval time of housing provident fund management centers varies from place to place. Please consult the management center of your city for details. The approval time of the management center in our city is the longest 15 working days. The longest time for banks to relax is 15 working days. Public fund loans are different from commercial loans. Its process is that after you pay the down payment, you have to wait until your house is delivered for use. After you get the individual housing ownership certificate within 90 working days stipulated by the general state, go to your individual provident fund management center to get the certificate. The provident fund management center will take your personal house ownership certificate to the bank for mortgage loan, and then directly enter the developer's account. Central countries will give you personal discounts.

Question 7: I wonder how long it will take to approve the mortgage. Generally, it takes one month from the bank to accept your personal data to lend money. First, the branch that gives you a mortgage will have a preliminary review, and then it will be submitted to the head office for final review. During this period, your purchase contract will be filed with the real estate bureau, and the contract will be registered in advance by the real estate bureau after filing. Then the head office approves the money and then goes to the mortgage department. It will take another 3-5 days to lend money.

Generally speaking, the bank will confirm your income certificate within one week after you submit it. Generally, if you arrange it, the bank will not keep asking questions, and it will pass easily. Moreover, provide more proof of other assets, or deposit some money in the bank, and everything will be fine.

Question 8: How long does it take for China Bank to approve housing loans? 1. Generally, the mortgage applied by China Bank can be settled within one month.

2. The process of applying for mortgage:

In the first step, the applicant pays the down payment according to the agreed proportion and signs a house purchase contract with the developer.

Step 2: The applicant applies for a loan, fills in the loan application form and submits the application materials required by the bank.

The third step is bank acceptance, investigation and approval. The approval process includes: the bank investigates and verifies relevant information, and decides whether to grant loans, loan amount, interest rate, term, etc.

Step 4: After the approval, the bank signs a loan contract with the borrower, and goes through the filing and mortgage procedures.

Step five, the bank issues loans, and the applicant repays them on time according to the prescribed repayment method.

Step 3 apply for a room

(1) Valid identification (ID card, household registration book, etc. ), the self-employed must provide a business license (original and photocopy);

(2) Proof of the marital status of the borrower (marriage certificate or single certificate);

(3) proof of income and property of the borrower and spouse;

(4) Purchase contract and down payment receipt;

(5) Commitment letter on property mortgage;

(6) Application Form for Bank Housing Mortgage Loan.

Question 9: How long does it take to get a house loan from the bank for approval? 1: If you need to apply for mortgage when buying a new building, and the property has been pre-sold, as long as you apply to the bank, the bank will immediately check your credit history with the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit relevant documents such as copy of license, income certificate and down payment document as required, and sign relevant bank documents and loan contract.

2. After the bank collects all the information, it conducts internal examination and approval, and then goes to the housing management trading center for mortgage registration, which takes about 10- 15 working days. After the trading center issues other warrants, the bank will lend money within 3 working days, and then return the principal and interest through the designated account from the next month of lending, without any other formalities.

3. If you need to apply for a mortgage when buying a second-hand house, your personal integrity is fine after applying to the bank. If the bank decides to accept it, it will conduct a comprehensive evaluation of the property through a third-party evaluation agency, and the bank will verify the loan ratio according to the evaluation value. If the down payment of the loan amount is less than the contract amount registered by the housing management trading center, the difference shall be paid before the transfer formalities, and the relevant documents shall be submitted to the bank for future reference.

4. When the buyer and the seller handle the transfer formalities in the trading center, they shall also handle the mortgage registration formalities. After receiving other warrants, the bank will pay the loan to the account designated by the buyer and immediately transfer the relevant funds to the designated bank account provided by the seller.

Then you can repay the loan on time.

5. Entrustment, in principle, the sale of houses is not allowed. Please consult the local housing management trading center and relevant banks in advance. The entrustment procedure is only that you personally and the client personally issue the entrustment certificate and witness it at the notary office or law firm.

6. If you are married, all the above procedures need you to go through with my wife and provide a marriage certificate.

Question 10: How long does it usually take for banks to approve commercial housing loans? The housing loan process is as follows:

Sign a loan contract with the bank → give the title certificate to the bank after it is approved by the bank → handle other rights → borrow from the bank.

Information on applying for bank loan:

Buy a new house: ID card, household registration book, marriage certificate, income certificate, bank contact information (married with husband and wife information)

Buy a second-hand house:

Buyer: ID card, household registration book, marriage certificate, income certificate, bank account, (married with both husband and wife information)

Seller: ID card, household registration book, marriage certificate, real estate license, land certificate, (married with both husband and wife information)

Generally, it takes one month to handle the mortgage loan for house purchase, and it may take one and a half months if the bank lends money slowly.

So much for the introduction of housing loan.