How long does the loan take? To put it simply, portfolio loans generally take about 3 months, and the fastest is 1 month. In some special cases, it may take 3-6 months.
This is because commercial loans and provident fund loans need to be handled at the same time. Some commercial banks need mortgage before they can lend money. In the process of provident fund loans, the purchased houses need to be evaluated before they can go to the Construction Committee for online signing.
1. It usually takes 7- 10 working days to submit spare parts and funds to the buyer and seller for approval.
Lending time: the process of group loan is to issue the certificate first and then lend money. Generally speaking, it takes 45 working days for approval, but the bank is short of money and takes longer.
Generally speaking, all procedures are completed before handover.
It depends on whether you have any special requirements, but you need to communicate with the seller. On the day of transfer, the buyer and the seller go to the bank to sign a commercial loan contract, and then the buyer and the seller go to the exchange to handle the transfer procedures.
3. After signing the commercial loan contract, the original passbook of the buyer and the seller must be left in the host bank. After the new title certificate is issued, a copy will be sent to the appraisal office. After the appraisal report comes out, the amount, duration and qualification of the provident fund loan of the buyer's customers will be preliminarily reviewed, and the combined loan contact form and appraisal report will be sent to the commercial loan bank. After the approval of the bank, it will take 5- 10 working days.
4. After the signing of the provident fund loan contract 13 working days, part of the provident fund loan will be released, and part of the commercial loan will be released within 3-5 working days after the completion of the public loan. How long can the portfolio loan be approved? The approved time is related to the borrower's application time (whether it is the peak season), loan amount, loan method, lending institution and other factors.