First of all, in principle, the time for handling the loan can be negotiated with the developer, because this belongs to the agreement on the payment method in the contract, and the payment method generally stipulates the time when the mortgage loan arrives. Under normal circumstances, the down payment shall be paid within 15 days after the down payment is paid. After the down payment, the developer issues an invoice, and the bank formally goes through the mortgage formalities after obtaining a copy of the down payment invoice. After the loan was approved, the mortgage was proved, and the bank began to repay the loan the following month after the loan was made to the developer's account.

When do banks usually start lending?

Now apply for a bank loan, and the bank will directly transfer the loan to the seller's account. The specific time is from the transaction transfer between the buyer and the seller to the issuance of the certificate of other rights by the trading center 1-7 days (Note: the certificate of other rights and the new property right certificate are issued at the same time. So the time is about 25 days, and individual banks do not lend money at the beginning of the month. Pure commercial loans are relatively the fastest (because banks earn a lot of interest, it usually takes ten working days to handle them according to common sense). First, they need to wait for the loan time of the provident fund.

Pure provident fund loans are actually the fastest in theory, and it is best to go through the loan procedures immediately after paying the down payment (no one can avoid the cumbersome process); Repayment has nothing to do with the delivery of the house. You can repay the bank loan later, and the waiting time of the two is the slowest. However, to obtain the consent and understanding of developers, it does not mean that you can apply for bank loans in a few days. In other words, the housing loan may have been repaid for 2 years, and the purchased house has not yet been delivered; After signing the sales contract, going through the loan procedures, and the bank's loan review (about one month), the bank's capital turnover is accelerated (because the provident fund is basically entrusted to the bank), so many places in the country are queuing for loans.