Legal analysis: After the transaction is transferred, the time given by the trading center is 2 1 working day, and the actual time is about 20 days. The bank lends money with other mortgage warrants, a copy of the new real estate license and a copy of the new owner's ID card. Lending time varies from bank to bank. China Bank is the fastest, and you can get to the landlord's account in about 7 days. The longest bank can be about 3 weeks.
Legal basis: Article 7 of the Measures for the Administration of Individual Housing Loans, the borrower shall directly apply to the lender for a loan. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.
Second, how long can I get a bank loan after I close my account?
Generally, it takes 15 working days for the bank to lend money after the completion of the house. The loan method and the loan bank determine the time for lending, which is also related to personal credit information, because after the second-hand house is transferred, it is necessary to go to the Housing Authority to go through the mortgage formalities with a new real estate license, and the bank will only lend money after the property is transferred.
3. How long can I get a bank loan after I close my account?
It usually takes about 15 working days to borrow a house from a bank. In fact, the loan time should be determined according to the purchase city, loan method and loan bank, and it is also related to personal credit information, because after the second-hand house is transferred, it is necessary to go to the Housing Authority with a new real estate license to go through the mortgage formalities and mortgage the property to the bank. Then the bank will lend money.
4. How long does it take for the bank to lend money after the account is closed?
Usually one to two weeks.