Generally speaking, it takes at least fifteen days from application to loan.
If there is no bank loan for the property: Yes.
1. Identity cards of the obligee and spouse.
2. Please provide birth certificates for the household registration book, fund and cash passbook, and housing mortgage loan application materials of the obligee and spouse.
If the property still has a bank loan: Yes.
Real estate license (the real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan).
2. If the property owner has minor children, please provide the original loan contract and the last bank statement.
In order to improve the pass rate of mortgage loan, please provide as many other family property certificates as possible, such as other real estate licenses and stocks.
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income. This certificate has a great influence on the success and maximum amount of mortgage bank loans.
Extended data:
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through a certain contract.
This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.
This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds.
Most borrowers of this kind of housing loan are individual residents, so it is impossible for banks to clearly know the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide effective guarantees for creditors to recover loans in the case of high loan risks.
Therefore, most banks use mortgage loans in their housing loans to individual residents. [