Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

Conditions for applying for mortgage loan:

China citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, under the age of 65 (inclusive) and with full capacity for civil conduct; Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; Have a good credit record and willingness to repay, and no bad credit record; Being able to provide legal, effective and reliable guarantees recognized by the bank; There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions; Open a personal settlement account in a bank; Other conditions stipulated by the bank.

Materials to be prepared for housing loan business:

1. Provident fund loan

(1) Identity certificates and marriage certificates of the lender, spouse, * * and borrower.

(2) Borrower's (husband and wife's) bank card.

(3) Purchase contract or agreement.

2. Portfolio loan

(1) Borrower's (husband and wife's) bank card.

(2) the borrower and the borrower's professional income certificate.

(3) Purchase contract or agreement.

3. Commercial loans:

(1) Proof of professional income of the borrower and * * * the same borrower.

(2) Purchase contract or agreement. Summary: It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage. Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete.

Generally speaking, when buying a house by loan, the loan speed of the second-hand house is faster than that of the new house, because there are more banks that buyers can choose when handling the second-hand house loan, and there are slightly fewer applicants corresponding to the banks. However, when buyers buy new houses, most of them apply for loans at banks designated by developers, so the timeliness is slow.

Generally speaking, the term of commercial loans for new houses is less than one month, the provident fund is generally longer, which may reach 2-3 months, and the provident fund can reach less than one month.

How long does it take for the mortgage bank to approve? There is no standard answer.

Because the requirements of each bank are different, the standards of approval are different, and even the approval speed of the same bank in different periods is different.

Under normal circumstances, it only takes about half a month for banks to approve loans.

The bank's mortgage approval is slow. The whole process takes about half a month from the submission of materials to the bank submission and then to the examination and approval. In this process, the bank will focus on verifying the authenticity of everyone's information, and check whether everyone's bank flow and credit information meet the requirements of the bank.

If everyone meets the requirements of the bank in all aspects, the bank will generally give the approval result within 15 days after everyone submits the information.

Of course, it depends on the number of customers. If a large number of customers apply for mortgage loans, the approval time will be relatively long. On the contrary, if fewer people apply for mortgage loans, the approval time will be relatively short.

As for how long it takes for the bank to lend money after approval, it depends on the entity.

The approval of bank mortgage does not mean immediate lending, but also depends on the looseness of bank funds.

Under normal circumstances, if the bank has sufficient funds, the loan can be basically completed within 1~2 weeks after the loan is approved, and the whole mortgage application process only takes about one month.

However, if the bank is short of funds, it will take a long time to lend money. Sometimes it is normal for individual banks not to lend money for more than half a year after mortgage approval.

How long does it take to review the bank loan?

It takes about 15 working days from the submission of materials to the review of bank loans, and the review speed will vary according to the qualifications of banks and individuals, depending on the actual time when the relevant loans pass the review.

Under normal circumstances, the more complete the application materials submitted by the loan applicant, the better the personal qualification and the faster the time to pass the examination. If you haven't received the examination notice for a long time, you can call the relevant bank directly to inquire.

Relevant users need to repay on time after applying for bank loans to avoid bad records on personal credit information due to overdue.

How long does it take to approve the bank loan?

About five working days.

In order to avoid risks, the bank's work is very rigorous, and the approver will re-examine the auditor's work. If there is no problem, the bank will inform that the loan has been approved, and the tax payment can be transferred, which usually takes about 5 working days.

If the original owner does not have a loan, he will pay taxes and transfer the mortgage property certificate after approval, and the bank will lend money in about seven working days. If the original owner has a loan, he needs to apply to the loan bank for early repayment after signing the contract. Time depends on the bank itself. Some owners need a month to pay taxes and transfer mortgage property certificates after the loan is paid off.

Matters needing attention in housing loan

Apply for a mortgage according to your ability: some users will think that the larger the loan amount, the better. Actually, that's not the case, because after you get the mortgage, you have to pay it back and you have to pay interest. If the loan period is long and the loan amount is large, then it is necessary to pay more loan interest and increase the repayment pressure.

After the loan application is approved, the buyer can repay the loan every month. Then, if you encounter difficulties and can't repay the loan on time, the buyer can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.

For the above contents, please refer to People's Daily Online-How long will the loan be approved (Chengdu Bank).

How long does it take for the bank to approve the loan?

According to different loan types, it usually takes about one month for banks to approve loans. Different loan types and different banks need different procedures and the complexity of approval is different, so the time required is different. Generally, the next payment of credit loans will be faster, about 10 days. And housing mortgage loans and the like are relatively slow, about 40 days.

The length of approval time for bank loans is related to many aspects, such as whether the materials submitted by the lender are complete and whether the amount of bank loans is sufficient. If you wait too long for approval, you can call the bank or loan manager.

In short, customers should wait patiently after submitting loan applications. If the audit result comes out, the bank will naturally inform the customer in time, regardless of whether the approval is passed or not. If the approval is passed, the notified customer will naturally go to the bank outlet to sign the loan contract in time, and the bank will only lend money after the relevant procedures are completed.