Generally, the loan time of a mortgage bank takes at least fifteen days from application to loan. The bank's mortgage loan shows that the loan is completed. At this time, the loan does not go directly to the lender's account, but first to the destination account, which is the destination account designated by the bank. Stay in the destination account for a week to complete the tracking of bank funds, and then you can go to the lender's account.

If the complete application materials are submitted, the approval time will be about 15 working days, because each customer's situation will be different because it involves evaluation and mortgage registration; Please contact the handling branch or loan account manager directly to confirm the specific loan release time, cancellation and other related information.

1. Materials to be prepared when the mortgaged property is used for business operation: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes. Quota: Generally, you can apply for a maximum interest rate of 70% of the appraised value of real estate for commercial purposes: the interest rate will rise by more than 20% on the benchmark interest rate according to the bank policy and the borrower's qualification. Years: generally less than five years.

2. Materials to be prepared for personal consumption of mortgaged real estate: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, proof of large assets and proof of personal consumption. Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate will generally be implemented or floating 10%. Years: generally less than ten years.

3. Materials to be prepared when the mortgaged property is used to purchase commercial housing: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, proof of large assets, and contract for purchasing commercial housing. Years: up to 30 years.

4 mortgage bank loan procedures:

Need to open a current deposit account in a banking institution;

Please fill in the loan application form as required, and submit the application form and required materials according to the instructions of the bank;

Home visits should be conducted by the bank manager or an appointed lawyer.