How soon will the real estate loan arrive?
On the premise that the borrower's information is complete, the qualification is good, the collateral quality is high and there are no special circumstances, the time from approval to loan is generally 15-20 working days. If it coincides with the busy period of the bank, it may take nearly two months for the mortgage to arrive.
1. Due to the differences in policies, efficiency and risk control measures among banks, the arrival time of real estate mortgage loans is also quite different. Some banks will relax the loan approval for high-quality customers or borrowers assisted by guarantee companies to speed up the loan, and some even arrive in 3-7 working days. In fact, the lending speed of banks is not static. In addition to choosing the loan opportunity, the borrower should also proceed from himself and the collateral to speed up the loan arrival.
2. If the borrower has good credit, low debt ratio and high quality of work unit, and can provide the bank with stable proof of work and economic income, it can quickly gain the trust of the bank, speed up the approval of the bank and get the loan quickly. In addition, the mortgage of high-quality real estate is also conducive to the rapid application of loans. High-quality real estate has advantages in terms of building age, supporting facilities, geographical location, area, orientation and transportation, which meets the requirements of bank mortgage. This kind of real estate is generally highly mobile, and the bank's approval speed is relatively fast.
Loan real estate mortgage process
1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;
2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;
3. The bank examines and approves the loan application;
4. The buyer signs a loan and guarantee contract with the bank;
5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;
6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);
7. The bank issues loans to the seller's account;
8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;
9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).
Through the above introduction, you should know how long the real estate loan will arrive and whether the mortgage process of the loan real estate should be mastered. Real estate mortgage loan is very important for everyone, because all real estate can be mortgaged, but the real estate must meet the relevant conditions, and personal credit information must meet the conditions before you can apply, otherwise you can't apply.