Legal analysis: How long it takes to apply for a loan after divorce depends on the relevant regulations of the bank. At present, many banks have issued a policy that divorcees apply for the first home loan, and they must divorce for 1 year before they can lend money, so as to plug the loophole of "suspected fake divorce to buy a house", that is, at the time of bank review, borrowers whose husband and wife have real estate during their marriage relationship must divorce for 1 year before they can meet the first home loan standard. Or ask for a divorce for more than 3 months before applying for a mortgage.

Legal basis: Measures of China Industrial and Commercial Bank for the Administration of Personal Housing Loans Article 6 A borrower applying for a loan from a bank shall meet the following conditions:

(1) Having permanent residence in cities and towns or valid residence status;

(2) Having a stable occupation and income;

(three) good credit, the ability to repay the loan principal and interest on schedule;

(4) There are assets recognized by the lender as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the principal and interest of the loan and bear joint and several liabilities;

(five) there is a contract or agreement for the purchase of housing;

(6) The price of the purchased house basically conforms to the appraisal value of the lender or the real estate appraisal agency entrusted by it;

(seven) do not enjoy the purchase subsidy, not less than 30% of the total price of the purchased house as the down payment; Enjoy the purchase subsidy, and the individual will bear 30% as the down payment;

(8) Other conditions stipulated by the lender.