Because banks need funds to settle accounts at the end of the year, they will not handle loan business near the end of the year, but some banks can apply for loans, but the loan time is mainly subject to the bank's regulations. Banks mainly focus on the storage business at the beginning of the year, and the normal loan recovery time is after March, which is mainly subject to the bank's regulations.

Processing flow of mortgage loan for house purchase:

Choose real estate;

Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will issue a loan consent notice or a mortgage loan commitment letter;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly as stipulated in the contract.