After the interview, if the materials are complete, the loan can be released within 15 working days under normal circumstances. You can contact the corresponding broker for the latest progress.

Loan process of buying a second-hand house: the lender applies for a mortgage loan and submits relevant materials. The bank conducts an audit. After approval, both parties sign a loan contract. Bank loan. There are several considerations.

1. The appraiser will check whether the house meets the loan conditions and comprehensively evaluate the repayment ability of the buyer and the seller. After confirmation, you need to sign the Confirmation of Real Estate Transaction.

2. Sign the contract. Loan officers, buyers and sellers, and intermediaries go to the bank to sign contracts at the same time. Lenders need to fill in personal basic information and issue income certificates. At the same time, the confirmation of real estate transaction, personal down payment certificate, company seal and witness signature are required.

3. Pay the fee. After the pre-trial is passed, the bank will inform the applicant to pay the fee.

4. Transfer of property rights. Buyers and sellers and intermediaries need to go to the Housing Authority to handle the transfer of property rights, and the review and evaluation generally takes 5 working days. After 5 working days, you can get a new real estate license.

5. Apply for a mortgage. After the Housing Authority completes the handover, the materials can be filed and mortgaged. After the mortgage formalities are successfully completed, you can get the real estate license.

6. When the bank lends money, the bank will issue the loan to the designated account, and the applicant also needs to submit the deed tax certificate and the real estate sales contract to the bank for the record. The intermediary needs to stamp the official seal on the confirmation letter of second-hand house mortgage transfer.