It takes about two or three days for financial institutions and one or two months for banks. Non-bank financial institutions; The efficiency of non-bank financial institutions is relatively high. When applying for housing mortgage loan, it only takes two days for the borrower to submit the complete application materials, and many people will go to non-bank financial institutions to handle this matter; Bank: Banks will strictly examine the qualifications of borrowers. When applying for housing mortgage loan, it takes 15 working days to complete the loan approval. In addition, with the assistance of the guarantee company, the approval process will be accelerated. In this regard, the bank's lending time is not fixed. The lending time of real estate mortgage loan is different in different situations. Usually, the loan time of real estate mortgage is about one to three months.

Extended information:

1. What are the requirements for real estate mortgage loan: legal identity is required; Need to have a stable income, have the ability to repay the principal and interest of the loan, and have no bad credit record; Need to have a legal and effective purchase contract; If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is below 10, and a down payment of not less than 30% of the total price of the purchased house is prepared or paid; Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid more than 1 year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the bank; The mortgaged property is your house; You need to have a regular job to repay your loan; Find more commercial banks like China Merchants Bank and China Development Bank, which may lower your income requirements. The loan amount is 50% of the amount assessed by the bank. The appraisal company designated by the bank conducts the appraisal, which is generated according to your age, ancillary facilities, degree of residential projects and other related factors. Generally, the appraisal price will be lower than the market price of the house, because banks should control risks.

2. Mortgage loan refers to the loan provided by the loan bank with the borrower's real estate, marketable securities and other documents as collateral to obtain the lien and pledge right of the borrower's property according to law to ensure the safety of the loan. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.

How long can the mortgage come down?

The mortgage loan of real estate is generally 15 days to about one month, depending on the bank's workflow.

The housing mortgage loan process is as follows:

1. Need to open a current deposit account with a banking institution;

2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;

3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;

4. The bank asks the intermediary to evaluate the value of the house;

5. Sign a loan contract.

How long can the mortgage loan come down?

Mortgage is a good way for people who need money badly. Then the question is coming, how long will the mortgage come down? What is the process of real estate mortgage loan? Don't worry, if you are still confused about this, you might as well come with me to learn about real estate mortgage.

How long can the mortgage loan come down?

If your information is complete, the approval time is about 15 working days. Under normal circumstances, a house is mortgaged, and the time for different institutions to approve loans is different. Because the loan bank has high requirements for borrowers, complicated procedures and long processing time. Because it involves steps such as evaluation and mortgage registration, the situation of each customer will be different. Of course, please contact the handling network directly to confirm.

Real estate mortgage loan handling process

Step 1: Choose a lending institution.

Before applying for a loan, we must first choose a good lending institution, but the review speed is slow. In addition, you can also choose private lending, although the interest rate is relatively high, but the audit speed is faster. The specific choice depends on the actual situation of the individual.

Step 2: Submit the application.

After selecting the loan institution, bring the relevant materials and apply to the relevant institution.

Application materials:

1. Identity documents, household registration books and marriage certificates of the borrower and its spouse. If you are single, you need to show your single certificate;

2. Personal income certificate;

3. Certificate or statement of loan use;

4. Proof of ownership of mortgaged property;

5. Other documents stipulated by the lending institution.

Step 3: Preliminary review

Relevant departments will conduct a preliminary review of the materials submitted by the borrower, and those that meet the requirements can enter the next step.

Step 4: Real estate appraisal

After the first trial is passed, the bank requires the designated appraisal agency to appraise the real estate, and collects the appraisal fee, which is generally around 0.3%-0.5%.

Step 5: Review the loan.

The lending institution will conduct a second audit according to the above submitted materials. After approval, the lending institution will inform you of the loan amount, interest rate, term and repayment method.

Step 6: Sign the contract.

After the above steps are completed, sign the contract. Contracts include loan contracts and mortgage contracts. Some institutions also need notarization and a certain fee, which is generally about 1% of the house value.

Step 7: Apply for mortgage registration.

After signing the contract, you can go to the local housing authority for mortgage registration. The premise is to prepare these materials:

1, the applicant's identity certificate and marital status certificate;

2. Application for housing registration;

3. Property ownership certificate or property ownership certificate;

4. State-owned land use certificate;

5. Mortgage contract and principal creditor's rights contract;

6. Other necessary materials.

Step 8: Buy insurance.

In addition, it should be noted that some banks will require borrowers to purchase mortgage insurance.

Step 9: borrow money

After the lending institution receives the house ownership certificate, even if the loan is completed, the lending institution will lend money within the specified working days.

Editor's summary: After reading the above introduction, I believe everyone has a further understanding of the term of real estate mortgage loan and the process of handling real estate mortgage loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.