Generally, the bank will approve it within 5-10 working days.

Loans for second-hand houses are generally issued in about 3-7 working days after the mortgage of the property is completed; for new houses, the loan is handled by the developer and depends on individual circumstances.

Extended information:

Each bank has not made any relevant agreement on the time limit for personal housing loan approval: Under normal circumstances, the loan application materials submitted by the borrower applicant must be complete, Unmistakable.

Home loan: Home loan, also known as home mortgage loan. For a mortgage, a home buyer fills out an application for a home mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract, letter of guarantee, etc. that must be submitted. The bank will make a commitment to the home buyer after passing the review. Grant loans, and handle real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract signed between the bank and the home buyer. The bank will directly transfer the loaned funds to the house selling unit within the period specified in the contract. on the bank's account.

The basic process of mortgage loans is as follows:

1. On-site inspection: loan officer, intermediary agency, appraiser, buyer and seller go to the house where the mortgage loan is applied for and conduct an on-site inspection of the house;

2. Property rights verification: The property owner and the authorized person (seller) bring the original ID card and the original real estate certificate to the housing management bureau to submit the original ID card and the original house book for verification. And go through relevant procedures;

3. Sign the contract: The bank carefully checks and verifies the original information of the customer, identifies the authenticity of all signatories, supervises the customer's signature, and collects the original real estate certificate and deposit (the specific amount is determined by the buyer and seller) (confirmed by both parties), copy the information, and remind both parties to open an account with the bank;

4. Fill in the contract: The bank will compile the information and fill in the contract based on the relevant information provided by the customer;

5. Payment Obligation: After the bank collects fees and passes the pre-examination, it will notify the customer to pay the fee;

6. Property transfer: The buyer and seller go through the property transfer procedures with the help of the Housing Authority; the lender prepares relevant materials and goes to the bank to handle the mortgage procedures; Bank lending.

Because all the work between loan and disbursement is not completed by the bank independently, there is no stipulation on the time for disbursement, but there is an agreement on the validity period of the approval contract. Generally, the relevant procedures are not completed for more than 3 months. , you need to resubmit the information to the bank for re-approval.

Minsheng Bank: the fastest 10 working days. Postal Bank: 2 working days at the fastest. China Construction Bank: 7 working days. ICBC: One month later. China Merchants Bank: The fastest is 8 working days. Bank of China: 5 working days. Agricultural Bank of China: The fastest is 1 working day. China Everbright Bank: 5 working days.

Reference materials: Loan review_Baidu Encyclopedia?Postal Savings Bank of China＿Online Customer Service＿Official website