The answer of "Beijing Jia Wei Anjie": It takes about one and a half months to release the portfolio loan, depending on the lending bank.
Second, how long does it usually take to buy a house with a loan?
It usually takes about a month to buy a house with a loan.
1. Usually, it is very quick to apply for a loan for a new house, because the developer and the bank sign a housing contract. If it is fast, it will be approved in 2 days and released in 3 days. Generally speaking, in 3-5 days after the approval, the bank will lend the mortgage according to the requirements of the developer. Time is hard to say, just 2-3 days, wait patiently.
2. In the case of sufficient bank quota, it only takes one week from application to approval, or half a month if it is slow. If the bank's quota is insufficient, the house cannot be handed over until the beginning of the month, so the longest waiting period is probably 1 month.
The speed of mortgage approval depends on many aspects. Sometimes the details of the information submitted by the lender will also affect the progress of bank loan approval. If the lender has questions or wants to inquire about the loan progress, he can call the relevant loan bank.
If it is a provident fund loan, it will take longer from submission for review to approval for issuance. Many people apply for provident fund loans. Many times lenders have to queue up, and the process of provident fund loans is relatively more complicated than that of banks. It may take four or five months or even longer from approval to the next payment.
Housing loan application process
In the first step, the applicant pays the down payment according to the agreed proportion and signs a house purchase contract with the developer.
Step 2: The applicant applies for a loan, fills in the loan application form and submits the application materials required by the bank.
The third step is bank acceptance, investigation and approval. The approval process includes: the bank investigates and verifies relevant information, and decides whether to grant loans, loan amount, interest rate, term, etc.
Step 4: After the approval, the bank signs a loan contract with the borrower, and goes through the filing and mortgage procedures.
Step five, the bank issues loans, and the applicant repays them on time according to the prescribed repayment method.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
After the mortgage is approved, the lender needs to repay the loan in full and on time, otherwise personal credit information may be affected. If it is overdue for many times, the bank has the right to terminate the loan contract in advance and ask the lender to repay all the arrears in one lump sum.
3. How long will it take to complete the mixed loan?
Generally, portfolio loans range from 15 working days to 1 month. Materials to be prepared for the loan business of house buyers: 1. Provident fund loan: (1) proof of identity of the lender and spouse, and proof of marriage relationship with the borrower; (2) Borrower's (husband and wife's) bank card; (3) Purchase contract or agreement.