First, how long have you paid the down payment for the loan?
It usually takes half a month to apply for a loan after paying the down payment. The state has strict regulations on loans. Usually, multi-storey buildings can not apply for loans until they are capped.
Second, what is the commercial loan process?
1. Submit the materials required for the second-hand housing loan.
The materials to be provided by the buyer before the loan include: the lender's ID card, household registration book, marriage certificate or divorce certificate, the divorce agreement or court judgment if there is no divorce certificate, the lender's half-year income certificate, the bank running account, the loan bank savings card, the purchase contract, that is, the stock house sales contract, and other materials that the bank needs to prepare.
2. The bank's appraisal of the house applying for loan.
After all the materials are ready, the bank will hand them over to professional institutions for evaluation.
3. Bank approval
After the bank is approved, it will issue a loan approval letter, mainly to prove to the seller that the bank agrees to lend to the buyer, so that the seller can transfer the house to the buyer with confidence.
4. Transfer of ownership
At the time of transfer, the buyer and the seller need to go through the transfer formalities at the local real estate registration agency, change the real estate license into a real estate license, and register the name of the purchaser on the real estate license.
5. Give the title certificate to the bank as collateral.
Go to the local real estate registration department to apply for the Real Estate Registration Certificate, which is to prove whether the house has the right to mortgage the bank. Generally, banks will hand over this procedure to specialized institutions to handle housing mortgage loans.
6. Bank loans
After handling the above-mentioned relevant procedures, the loan bank agrees to lend money, and the bank will transfer the loan amount to the buyer's account in one lump sum or by stages according to the contract signed with the borrower. All loan processes will be completed.
Bian Xiao concluded: The above is what Bian Xiao shared with you about how long it takes to pay the down payment and the business loan process. I believe after reading the above sharing, you will have a corresponding understanding. If you need more information, please continue to pay attention to Qijia. Com website, Bian Xiao will answer them one by one.