The loan approval letter will be issued 5 working days after the interview. Once the loan approval letter is issued, the transfer can be completed. Generally, the loan will be released about 10 working days after the transfer:

1. Generally, it takes 15-20 working days, which is about a month. House mortgage bank loan process: interview with the bank - apply for appraisal - loan approval - mortgage registration - lending. We specialize in house mortgage bank loans, second house mortgage bank loans, corporate and personal business loans, difficult house mortgage bank loans, etc. Get a bank housing loan, which can be used for personal consumption or long-term business. Business loans can be used for 100% of the appraised value of the house, affordable housing less than five years old, housing with capital for relocation, preferential price housing, cost price housing, standard price housing, etc. You can also get a bank loan for difficult houses. You can get the money first and get the money on the same day. We only charge loan service fees for bank loans, and you will pay after seeing the approval slip. Pledge loans are short-term loans. They are usually obtained from guarantee companies. The interest is generally calculated on a monthly basis, which is suitable for customers who are in a hurry for short-term turnover. If conditions permit, customers can still find a guarantee company to apply for a bank loan, but bank loans generally take 30 working days to disburse. If customers are anxious to use money, they can find a regular guarantee company and pledge first, so that both It solves the problem of using money urgently and also solves the problem of excessive long-term interest. For bank housing mortgage loans, for business projects, you can loan up to 10% of the appraised value of the house. Properties under the name of the company, properties under the name of shareholders, properties under the name of legal persons, properties under the names of direct relatives of shareholders and legal persons, etc. are available. Installment mortgage housing , affordable housing, discounted housing, cost-priced housing, standard-priced housing, etc. are all available. The bank's short-term operating loans can be repaid with interest on a monthly basis, return the principal upon maturity, and extend credit on a recurring basis. This is more suitable for customer operations.

2. The housing provident fund is a welfare system provided by the state to protect the housing of employees. Compared with commercial loans, it has the following advantages: 1. The loan interest rate is unparalleled. Housing provident fund loans are policy loans. , its most obvious feature is low interest rates. Judging from the current loans with a term of more than 5 years, the annual interest rate of commercial loans is 6.55%, while the annual interest rate of housing provident fund loans is only 4.5%. The difference between the two is 2.05 percentage points. 2. The loan percentage is high and the term is long. Commercial loans can loan up to 70% of the house price. House buyers are under great pressure to make down payments. Housing provident fund loans can lend up to 80% of the house price, and the housing provident fund loan period is long, and the corresponding monthly repayment amount will be very small. The loan period of commercial loans can be up to 25 years, and most second-hand houses can only be loaned for up to 20 years; while the provident fund loans can be up to 30 years, and the monthly payment pressure is relatively reduced a lot. 3. Flexible repayment of housing provident fund loans Flexible repayment is mainly reflected in the fact that borrowers can determine the monthly repayment amount at will as long as the monthly repayment amount is not less than the "minimum repayment amount". For early repayment of commercial loans, if it is a non-one-time early repayment, the amount must be a multiple of 10,000 or 50,000. However, there are no specific regulations for provident fund loans. As long as it is greater than the "minimum repayment amount", all amounts will be regarded as early repayment. . Bank commercial loans have clear regulations on the number of early repayments, while provident fund loans have three early repayment opportunities every month. Lenders can even adjust their early repayment amounts at any time on a monthly basis. 4. Fewer housing age restrictions. Housing provident fund loans have fewer restrictions on housing age. The sum of the housing age and the loan term does not exceed 50 years. Most banks do not grant loans to houses built before 1985, and the loan period shortens with the age of the house, so the restrictions are relatively strict. The age of the bank commercial loan borrower plus the loan term must be less than 65 years old, while there is no age limit for the borrower for provident fund loans. To sum up, make full use of provident fund loans as much as possible, borrow as much as you can, and borrow for as long as you can.