With the rise of housing prices, more and more people choose to apply for mortgage loans to buy houses, thus alleviating their economic pressure. After applying for a loan, it usually takes some time to lend money. So how long does it take to get a house loan? Let's take a look with Bian Xiao.
How long does it usually take to get a house loan?
1. Because the loan policy of each lending bank is different, the specific lending time of the house loan is uncertain. If the lender deals with housing provident fund loans, it will take longer to issue housing loans, usually about 2 to 3 months, and the fastest will take about one month.
2. If the owner buys a new house and applies for a commercial loan, the loan bank will generally reply to the lender's loan application within three days after submitting the loan application. After the loan application is approved, under normal circumstances, the loan bank will issue the housing loan to the lender's bank account within one month.
3. If the owner buys a second-hand house and handles a commercial loan, then after the loan application is passed, the loan bank will issue a loan approval letter to the lender, who will go to the Housing Authority to handle the transfer formalities with the seller's loan approval letter, and then need to provide the tax payment certificate and the notice of obtaining the real estate license to the loan bank. After obtaining the real estate license, the loan bank goes through the mortgage registration formalities and then issues the house loan to the seller within one month.
4. After the house loan is paid to the lender's bank account, the lender needs to formally start paying the monthly payment and principal according to the loan method from the next month. If the loan is made on February 8, the lender will start to pay the monthly payment on March 8, and the eighth day of each month is the lender's monthly payment time.
The above is a detailed introduction about how long the house loan is generally extended, hoping to help everyone. When applying for a loan, you should choose the appropriate loan method according to your own economic ability and needs to reduce your economic pressure.
How long does it usually take for a mortgage to be released?
First of all, answer directly.
According to the news from the official website, there is indeed a time limit for major banks to issue loans.
Second, the specific analysis
Mortgage is no exception. According to the regulations, the bank's commercial mortgage loan can only be released in three months.
In other words, if the bank's mortgage is not released within three months after approval, the borrower can make a dunning.
In addition to mortgage, it also stipulates the lending time of other loan types.
For example, consumer loans are basically about 7- 15 days. If it is fast, the next payment will also arrive on the same day. Another example is that the provident fund loan is about 3 months, and the commercial loan is about 1 month.
If the borrower fails to lend money after applying for a mortgage, he can call the credit manager or bank customer service directly for details.
Because sometimes it may be because the information provided by the borrower is problematic.
Do you still need to go to the bank after the mortgage is approved?
After the mortgage is approved, the borrower certainly needs to go to the bank.
Need to go to the bank for mortgage procedures and sign a mortgage contract.
If the bank requires the borrower to sign a loan application, the borrower needs to go to the bank again to handle related matters after lending.
Just search: quick view of the shell tip. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.
3. Is there a time limit for decompression after the mortgage is paid off?
After the mortgage is paid off, whether there is a time limit for handling the mortgage cancellation procedures mainly depends on the regulations of the local housing authority, and there is generally no specific time limit.
However, it is generally necessary to make an understanding commitment as soon as possible. After all, after a long time, I am afraid that some documents may be lost, which will bring inconvenience to the pledge.
It will be very troublesome to reorganize the materials and understand that it will be sent back for retrial.
Moreover, the house was not completely owned by itself before the mortgage registration was cancelled.
Under normal circumstances, after the mortgage is paid off, the procedures for canceling the mortgage are generally completed within one week or 15 working days.
If the mortgage cannot be settled in time for a long time after it is paid off, it is recommended to contact the bank and the staff to make it clear and see if the mortgage can be postponed.
Of course, I don't need to apply for mortgage release. If you can't spare the time, you can entrust others as soon as possible.
However, it doesn't take much time to lift the mortgage. Generally, you can apply for publishing on the same day and you can do it on the same day. After all, the procedures for canceling the mortgage are not complicated, but you may need to queue up.
How long does it usually take to get a house loan?
About 15 working days.
It takes about 15 working days from application to loan. Buying a house loan, the whole process is about 20 jobs; When looking at the house, the buyer and the seller reach an agreement to pay the house purchase deposit: 1 day; Submit loan application and sign loan contract: 1 working day; Real estate assessment and third party guarantee: 1-2 working days; Bank approval: 5 working days; House transfer, down payment: 1 working day; Pay taxes and get a new real estate license: 4 working days; The bank receives the loan contract and mortgage registration: 3 working days; Bank loan to the seller, property delivery and final payment: 3-5 working days.
What if the mortgage is not approved?
There are many reasons why the mortgage loan can't be done. In practice, different situations are handled in different ways. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is the most important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved.
1, the seller's reason.
In the new house transaction, if the developer sells a house that is not qualified for sale, that is, the developer has not obtained a pre-sale permit or sold an existing house that is not qualified for use, the bank will not approve the loan when reviewing this situation. At this time, property buyers can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.
In the second-hand housing transaction, if the loan of the house sold by the seller is not approved due to defects or mortgage seizure, or some people have objections, the buyer has the right to get back the deposit and down payment, and the seller can be held accountable.
2. Buyer's reasons.
Bad credit.
If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not grant the loan, and the buyer shall be liable for breach of contract.
Unable to pay the house price.
If the time agreed in the contract has passed and the buyer cannot pay the house price, it is a breach of contract and should bear the corresponding liability for breach of contract in accordance with the contract. Unless the sales contract stipulates an exemption clause on this issue, it is difficult for consumers to get a full refund.
break a contract
If you can't refund the full amount, how much money you can refund depends on the agreement in the contract between the two parties. In case of breach of contract, compensation shall be made according to the contract. If the liquidated damages are less than the paid house price, the seller shall return the remaining house price after deducting the liquidated damages to the buyer.
Whether the house can be resold.
Because reselling a house belongs to the transfer of creditor's rights and debts, it is only effective after obtaining the consent of creditors.
Is it possible to agree to postpone the loan?
If there is no agreement in the contract, the initiative to agree to postpone the loan is in the hands of the seller and can be resolved through consultation.
3. Non-buyer-seller reasons.
If the government's policies or bank regulations change, the loans that buyers should get cannot be realized, and buyers should negotiate with developers. If negotiation fails, there is no agreement in the contract. Property buyers can prove that they are not at fault and are really unable to buy a house, and ask the seller to return the down payment and deposit.
This is the end of the mortgage, and how long it will take. I wonder if you found the information you need from it?