It should be noted that after the mortgage registration of the property is completed in the bank, the borrower should remember to go to the bank to retrieve the original property certificate. After the mortgage is paid on time, the mortgage applicant needs to repay the loan in full and on time, so as not to affect the personal credit information.
How long will it take to approve the mortgage?
1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to apply for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.
2. Commercial housing mortgage loan is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.
3. If you want the bank to lend money quickly, you can lend money with a receipt and lend money within 3 working days after the transfer. 400 yuan guarantee fee is required. It usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license.
What is the bank mortgage approval process?
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2. Review by the credit review department. After receiving the materials submitted by the institution, the credit review department will review them in accordance with the relevant regulations of the bank. In case of doubt or omission, the operating agency will be required to supplement the materials. If it does not meet the requirements, the materials will be returned to the operating organization (generally, it will be reviewed by the organization itself when it is submitted). After the review is completed, the reviewers will issue review opinions and submit them to the person in charge of the review department for review.
3. recognition. The person in charge of the credit review department shall submit it to the leaders in charge of the branch for examination and approval. Normal leaders will pass it directly after seeing it, and rarely refuse it, usually within three days.
4. Borrowing: After being approved by the leaders in charge, the audit department can issue a Notice of Approval Opinions and hand over the materials to the operating institutions. At this time, the account manager can take the relevant materials to the loan center to apply for loan.