It usually takes 22-25 working days to lend money. Handling process of real estate mortgage loan: 1. The borrower opens a current deposit account in the bank; 2. Information required for preparing the loan; 3. Go to the designated institution of the bank to evaluate the real estate; 4. In front of the bank; Batch; 6. Approve the next batch of loan letters; 7, to the local construction committee for mortgage registration.

2. What information does Ping An Bank need to handle the mortgage loan of real estate license?

Ping An Bank's real estate license can be mortgaged, requiring:

1. age: borrower 18 to 60 years old, and the borrower is a self-care person aged 25 or above.

Mortgagor 18 to 65 years old.

2. Collateral: The property owner can accept the mortgage of a third party other than himself and his immediate family members. The house is more than 2005, with an area of more than 50 square meters, and the property right is residential. Up to 70%. Time requirement for holding the certificate: there is no time requirement for holding the certificate for the first-hand house, and the second-hand house requires holding the certificate for three months.

3. Quota: 3 million for wage earners and 5 million for self-care.

4. Loan term: the longest loan term is 10 year, the borrower is 70 years old or younger, and the loan term is 25 years or younger.

5. Interest and repayment method: the interest is about 5.5 per year, and there are two types: equal principal and interest and interest before principal. 6. Credit requirements: no 2 in the last six months, no 3 in the last year and no 4 in the last two years; The number of inquiries in the last two months cannot exceed four.

7. Preparation materials: ID card, household registration book, marriage certificate materials, work certificate or business license, real estate license, property transfer, bank flow in the past six months, and private seal. Married spouse's ID card, household register, etc.

3. What documents do Ping An Bank need for loan?

Ping An Bank has many loan products, and different loan products require different documents. Lenders need to fill in the application materials according to the materials specified by the bank.

The information to be prepared for general loans is as follows:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

3. Provide proof of stable income sources: bank flow sheet, labor contract, etc.

4. Other information stipulated by the bank.

Loans also need to meet the basic conditions stipulated by the bank:

1. China citizens aged 18-65;

Second, it has a stable address and work or business premises;

Third, there is a stable source of income;

Fourth, there is no bad credit record, and loans cannot be used for stock trading and gambling;

Fifth, have full capacity for civil conduct.

The loan processing flow is as follows:

1. The lender needs to fill in a written application form and prepare relevant materials.

2. The bank shall review the application materials of the lender to verify whether the situation is true.

3. After approval, the lender signs a loan contract with the bank.

4. When the bank lends money, the borrower performs the repayment as agreed.

4. What are the procedures for mortgage loan of real estate license?

I > information required for mortgage loan 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; Second, the process of mortgage loan is as follows: 1. Apply for a loan from the bank and sign relevant contracts. 2. The bank issues a loan approval notice, and then goes to the Housing Authority for mortgage registration and takes out his other warrants. 3. Give other warrants to the bank, and the bank will lend money.