After the face-to-face signing of the mortgage, there are procedures such as auditing, mortgage and taking other items to see if the loan bank has a quota, so it takes 15 days to release the loan, and it takes 2 or 3 months to slow it down.

For buyers who buy first-hand existing houses or second-hand houses, the bank will ask for repayment of the loans issued in the current month, and the bank will inform the specific repayment time.

Generally speaking, housing loans need to go through many links, such as application, house inspection, examination and approval, filing, mortgage and lending. The mortgage application occurred after the down payment of the house was paid according to the proportion agreed with the developer, and the Commercial House Sales (Pre-sale) Contract was signed. At the same time, to apply for a mortgage, you need to use the house you bought as collateral.

This answer is provided by Youhuahua, a credit service brand under Xiaoman Finance (formerly Baidu Finance). The reliable interest rate is low, and the amount can be calculated immediately by clicking the bottom of the mobile phone, and the maximum loan amount is 200,000.