Hello, if you apply for loan and mortgage registration in ICBC, it will take about 10 working days, and the bank can lend money after the issuance of other rights certificates.
The bank will lend money when it sees his certificate of rights.
You can rush it.
2. Is there a clear stipulation on how many working days after ICBC completes the mortgage?
There is no clear working day requirement for banking business process, and there are different requirements in different time periods.
When a business is encouraged, the business process will become fast and even clear.
Jiangsu fanlaishan
3. Is there a clear stipulation on how many working days after ICBC completes the mortgage?
In the case of complete application materials, it is normal to complete the application within about 1 month from application to loan issuance.
The general process is 3 to 5 working days after the evaluation value is issued, and the interview is completed.
If you have registered the mortgage with the Housing Authority, you may need to issue a certificate of other rights before you can lend money. 3-5 days will be enough. As long as the mortgage is registered with the Housing Authority and a certificate of other rights is issued, the bank will lend.
4. China Industrial and Commercial Bank has passed the examination and approval, and the mortgage formalities of real estate have been completed. How many days can the loan be released?
In the case that the submitted materials are complete and meet the loan conditions of ICBC, the loan approval can generally be completed within 2 working days. Please refer to the actual situation for the specific lending time and results, and there is no specific time. Mortgage of real estate means that the owner of real estate takes the deed of house as the mortgage and gets a loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed. When the debtor is unable to perform the debt, the creditor has the right to dispose of the mortgaged house according to law, and has priority to be compensated for the proceeds from the disposal of the mortgaged house. The parties who provide mortgaged houses are called mortgagor, and the original creditors who accept mortgaged houses are called housing mortgages people. The mortgagor of a house must have full capacity for civil conduct, and a person without capacity for civil conduct or with limited capacity for civil conduct may not set up a house mortgage. According to the provisions of the Guarantee Law and the Measures for the Administration of Urban Real Estate Mortgage, the following real estates may not be mortgaged or subject to certain restrictions. (a) land ownership shall not be mortgaged; There are no buildings, structures and projects under construction on the ground, and the land use right obtained purely by allocation shall not be mortgaged; The land use right of township (town) village enterprises shall not be mortgaged separately. (2) The right to use collectively-owned land such as cultivated land, homestead, private plots and private hills shall not be mortgaged, except for the right to use barren hills, gullies, hills and beaches contracted according to law and agreed by the employer. (3) Real estate with disputed ownership and real estate that has been sealed up, detained, supervised or mortgaged in other forms according to law shall not be mortgaged. (four) real estate used for education, medical care, municipal and other public welfare undertakings shall not be mortgaged. (five) buildings listed in the cultural relics protection and other buildings with important commemorative significance shall not be mortgaged. (six) the real estate that has been included in the scope of the announcement according to law shall not be mortgaged. (7) If the real estate purchased under the preferential policies of the state cannot be mortgaged in full, the mortgage amount shall be limited to the share of the real estate owner's disposal and income. Illegal buildings or temporary buildings cannot be used for mortgage. (nine) other real estate that may not be mortgaged according to law.