The mortgage should be pre-examined. Pre-approval of mortgage means that after the lender submits relevant materials to the bank, the bank checks the identity information and preliminarily approves the materials provided by the lender. In other words, the pre-approval of mortgage is in the preliminary approval stage. If your personal information passes the preliminary examination of the bank, you can enter the examination and approval stage, and the materials you provide can be further examined and verified. After approval, the next payment can be made.

Bank mortgage loan approval process

65438+

2. Review by the credit review department. After receiving the materials submitted by the institution, the credit review department will review them in accordance with the relevant regulations of the bank. In case of doubt or omission, the operating agency will be required to supplement the materials. If the material does not meet the requirements, it shall be returned to the operating organization (the general organization shall review it by itself when submitting it). After the audit is completed, the auditor will issue an audit opinion and submit it to the person in charge of the audit department for audit.

3. recognition. The person in charge of the credit review department shall submit it to the leaders in charge of the branch for examination and approval. Normal leaders will pass it directly after seeing it, and rarely refuse it, usually within three days.

4. Borrowing: After being approved by the leaders in charge, the audit department can issue a Notice of Approval Opinions and hand over the materials to the operating institutions. At this time, the account manager can take the relevant materials to the loan center to apply for loan.

How long does it take to approve the mortgage?

Personal mortgage loans, different banks or different housing loans, the lending time is different. Mortgage loan lending time is mainly divided into:

1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to apply for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.

2. Commercial housing mortgage loan is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.

3. If you want the bank to lend money quickly, you can lend money with a receipt and lend money within 3 working days after the transfer. 400 yuan guarantee fee is required. If you use other documents to lend money, it usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license.