First of all, answer directly.

According to the news from the official website, there is indeed a time limit for major banks to issue loans.

Second, the specific analysis

Mortgage is no exception. According to the regulations, the bank's commercial mortgage loan can only be released in three months.

In other words, if the bank's mortgage is not released within three months after approval, the borrower can make a dunning.

In addition to mortgage, it also stipulates the lending time of other loan types.

For example, consumer loans are basically about 7- 15 days. If it is fast, the next payment will also arrive on the same day. Another example is that the provident fund loan is about 3 months, and the commercial loan is about 1 month.

If the borrower fails to lend money after applying for a mortgage, he can call the credit manager or bank customer service directly for details.

Because sometimes it may be because the information provided by the borrower is problematic.

Do you still need to go to the bank after the mortgage is approved?

After the mortgage is approved, the borrower certainly needs to go to the bank.

Need to go to the bank for mortgage procedures and sign a mortgage contract.

If the bank requires the borrower to sign a loan application, the borrower needs to go to the bank again to handle related matters after lending.

Just search: quick view of the shell tip. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

3. Is there a time limit for decompression after the mortgage is paid off?

After the mortgage is paid off, whether there is a time limit for handling the mortgage cancellation procedures mainly depends on the regulations of the local housing authority, and there is generally no specific time limit.

However, it is generally necessary to make an understanding commitment as soon as possible. After all, after a long time, I am afraid that some documents may be lost, which will bring inconvenience to the pledge.

It will be very troublesome to reorganize the materials and understand that it will be sent back for retrial.

Moreover, the house was not completely owned by itself before the mortgage registration was cancelled.

Under normal circumstances, after the mortgage is paid off, the procedures for canceling the mortgage are generally completed within one week or 15 working days.

If the mortgage cannot be settled in time for a long time after it is paid off, it is recommended to contact the bank and the staff to make it clear and see if the mortgage can be postponed.

Of course, I don't need to apply for mortgage release. If you can't spare the time, you can entrust others as soon as possible.

However, it doesn't take much time to lift the mortgage. Generally, you can apply for publishing on the same day and you can do it on the same day. After all, the procedures for canceling the mortgage are not complicated, but you may need to queue up.

How long does it usually take to get a mortgage?

When buying a house in a bank and applying for a mortgage, it usually takes 1-2 weeks to lend money when all the information is complete and approved. Generally, it will not exceed 15 days, depending 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 of 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 a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall 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 are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.

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. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means 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 the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in 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 renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral.

6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou 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.