It usually takes about seven working days, not more than fifteen days at the latest.

Second, how long does it take for CCB to approve housing loans and how to apply for mortgages?

The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. First of all, you should apply for a loan from CCB and submit your valid identity certificate, residence certificate, marriage certificate, income certificate, purchase contract, agreement and related documents, down payment certificate and other related materials;

Then, the bank accepts the application and approves the loan information;

Three, after the approval, the borrower and the borrower signed a loan contract, mortgage and other related procedures;

Fourth, banks issue loans;

Fifth, the borrower repays in full and on time;

Sixth, after the loan is settled, the borrower goes to the local housing authority to cancel the mortgage registration.

3. How long does it take for CCB to approve the housing loan and how to handle the mortgage?

The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month.

First, you need to submit valid identity documents, residence certificates, marriage certificates, income certificates, purchase contracts, agreements and related documents, down payment certificates and other related materials to CCB;

Second, banks accept applications and review loan information.

Three, after the approval, the borrower and the borrower signed a loan contract, mortgage and other related procedures;

Fourth, banks issue loans;

Fifth, the borrower repays in full and on time;

Sixth, after the loan is settled, the borrower carries relevant information to the mortgage registration formalities.

develop

Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. There are two ways to repay the principal. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.

Housing entrusted loan refers to the loan issued by the bank to individuals who purchase ordinary housing as required, and the source of funds is housing provident fund deposits.

Housing self-operated loan source personal purchase loan.

Housing portfolio loan refers to the loan that is issued to individuals who purchase the same set of ordinary housing for their own use, based on housing provident fund deposits and credit funds, and is divided into individual housing entrusted loans and self-operated loans.

Housing savings loan refers to a kind of loan on the premise that property buyers deposit money in advance in order to obtain bank loans. It is a kind of contractual housing savings run by banks to solve the financial difficulties of those buyers who have no provident fund loans but still have a funding gap.

There are two main categories: enterprises and individuals.

Personal housing loans can be divided into provident fund loans and personal housing commercial loans, entrusted loans, self-operated loans and portfolio loans.

personal housing accumulation fund loan

The employees of the individual housing provident fund center who normally deposit the housing provident fund purchase in this city (including second-hand houses) with their own property houses as collateral, and are guaranteed by a legal person with guarantee ability to apply for loans from the provident fund management center. Loans can be issued by banks entrusted by the fund management center.