1 month. After the mortgage is approved, the bank will generally lend money within 1 month. If the loan materials submitted by the lender pass the examination and approval, the lender needs to pay attention to the notice of the bank, and after receiving the notice, go to the bank to apply for relevant business and wait for the bank to make the next payment. However, when the bank pays is also related to the loan method chosen by the lender and whether the bank loan amount is sufficient.
What should I pay attention to when buying a house with a loan?
How long does it usually take to buy a house with a loan?
When you buy a house in a bank and apply for a mortgage loan, it usually takes 65,438+0-2 weeks to lend a loan when all the information is complete and approved. Generally, it will not exceed 65,438+05 days, which depends on the efficiency of the handling bank. If it is not the end of the year, the loan will be faster.
It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage; Generally, portfolio loans range from 15 working days to 1 month; The approval time for general commercial loans is about 5-7 working days after face-to-face signing and all documents are complete. If the time is too long, the customer had better consult the bank, and the bank will tell you if there is any problem.
The conditions for applying for housing mortgage loans are:
1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)
2. Have the ability to stabilize employment, income and repay loan principal and interest on schedule.
3. The actual age of the borrower and the loan application period should not exceed 70 years old.
The information required to apply for mortgage loan for house purchase is as follows:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required).
2. The original purchase agreement.
3. Original and photocopy of advance payment receipt for 20% or more of the house price 1 copy.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Extended data:
Matters needing attention in mortgage to buy a house
1. Do not use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan pays the house price, the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.
If you have difficulty in repaying the loan, don't forget to look for the banks around you. Don't insist on it yourself when your solvency drops during the loan period and you have difficulty in repaying the loan. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if you have not defaulted on the loan principal and interest, we will accept your application for extension.
4. Don't forget to inform when renting a house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgage fact in writing.
Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the principal and interest of the loan, you can cancel the mortgage at the county real estate trading center where the real estate is located with the bank's loan settlement certificate and other real estate title certificates of the mortgaged property.
6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract and loan note signed by the bank with you are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.