It usually takes 22-25 working days to lend money.
Process of handling mortgage to buy a house loan:
Choose real estate;
Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;
Apply for mortgage loan;
Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;
Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
Open a special repayment account;
After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;
The borrower repays the loan regularly as stipulated in the contract.
2. How long does it take for the Postal Savings Bank to approve the loan to buy a house?
Generally, it takes about a week for the Postal Savings Bank to complete the approval of buying a house with a loan. Generally, after the borrower submits the loan application materials, the staff of the Postal Savings Bank need to verify and check the application materials one by one, and notify the borrower in time if they do not meet the requirements. After approval, the borrower needs to go through the mortgage registration formalities in the business hall of Postal Savings Bank. After mortgage registration, the Postal Savings Bank will issue a mortgage certificate, then sign a contract with the borrower, and finally lend money to the borrower.
3. How long does it take for the bank to approve the loan to buy a house?
After the buyer submits the mortgage application materials, the general bank needs 15 working days to review. If the information is correct and meets the requirements of bank loan application, the bank will inform the buyers and pass the preliminary examination. Then enter the interview stage, which takes about 7 working days. If passed, it means that the mortgage application of buyers is basically stable.
However, each bank has different qualification requirements for property buyers. With the continuous implementation of the new mortgage policy, many regional banks have also raised their credit requirements for property buyers. According to the feedback from actual users, it will take about 1 month to know whether your mortgage will be approved, and it will take about 30 working days to review the loan qualification.
Further reading: How to make sure you can get a loan from the bank before buying a house?
If buyers want to know whether they can pass the mortgage approval before submitting the loan application materials, they can find an intermediary to explain their situation in detail. General intermediaries are most sensitive to the requirements of bank mortgage approval. When the buyer tells his own situation, the intermediary can estimate a rough estimate.
In addition to intermediaries, buyers can also choose to directly ask the account manager of the property. Generally, real estate has a close cooperative relationship with banks. If there is any change in the bank loan business, real estate developers will definitely know it for the first time.
The so-called "change of credit reporting" means that there are a large number of inquiry records and miscellaneous loan records in the credit reporting. If a person frequently applies for online loans, once the credit information changes, his comprehensive score in the bank will be lowered. Even if it is not overdue, it is difficult to pass the banking business, such as mortgage and credit card, because the auditors in the bank are serious. People who frequently apply for online loans are cash-hungry, and they will think that such customers are more risky.
Just search: kingfisher data. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.
In addition to the credit report, online loans that do not receive credit information should also be repaid on time. After all, the application of online loan big data is more and more extensive, and the difference of online loan big data will also affect the loan application.
Whether it is credit reporting or online lending big data, it is very important for everyone. In today's era of Internet big data, protecting your credit is an important asset and wealth.