Under the condition that all materials are complete and approved, it usually takes 1-2 weeks to lend money, and generally it will not exceed 15 days, depending on the efficiency of the handling bank. Generally, if it is not the end of the year, the loan will be faster.

1. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. Interest refers to the remuneration paid by the borrower to the lender for obtaining the right to use the funds, which is the use price of the funds within a certain period (i.e. the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.

3. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same.

Four. Average capital repayment method: A repayment method in which the borrower repays the loan in each installment (month) during the whole repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month.

5. Pay interest and repay the principal monthly: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank. The general amount is an integer multiple of 10000 or 10000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

6. Repay all the loans in advance: that is, when the borrower applies to the bank, he can repay all the loans in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

When will the bank lend money after the second-hand house is transferred, and when can the seller get it?

Ordinary second-hand housing mortgage loan is different from mortgage loan. For ordinary second-hand housing mortgage loan, the bank lends it to the owner to pay the buyer's purchase price after the property has been transferred.

Although in practice, the bank may require the seller to issue an irrevocable power of attorney to transfer the loan given to the buyer to the seller's account in time, after the registration and transfer is completed, the buyer is already the legal property owner. At this time, if the buyer unilaterally notifies the bank, it will be difficult to repay;

In order to protect their rights, banks will inevitably terminate or suspend the pre-agreed loan mortgage procedures, and will never continue to lend, otherwise it will undoubtedly be a trap. Therefore, the protection of the seller's interests has great risks in actual operation and is in a passive position among the three parties involved in the transaction. The only way out is to have a long lawsuit.

Extended data

Process of buyer and seller: the seller applies to the bank. With the consent of the bank, the bank, the buyer and the seller signed an agreement, and the bank agreed to the seller's transfer of the house. The seller promises to give priority to the repayment of bank loans, and authorizes the bank to directly deduct the outstanding loan principal and interest from its account opened in the bank. The buyer promises to remit the house payment to the account opened by the seller in the bank at the time of transaction.

The buyer applied for a new loan from the bank. The loan amount can be the remaining loan balance of the seller, or it can be calculated according to the following formula: loan amount = the market price of the purchased house × the loan ratio of the second-hand house. After the approval, the bank signs a new loan contract and mortgage contract with the buyers, and issues a letter of commitment to agree to the loan.

The bank and the seller go to the real estate management department to cancel the mortgage registration and apply for a new mortgage registration with the buyer. When granting loans to the buyer, the bank will transfer the loans to the account opened by the seller according to the authorization of the buyer, and then directly deduct the outstanding loan principal and interest from the account according to the authorization of the seller, and terminate the original loan contract.

How long can I get a loan after the second-hand house is transferred?

It takes about 10 days to lend money after the second-hand house is transferred. It takes 7 days to approve the submitted materials, and the transfer transaction will be completed after approval. After the transfer transaction is completed, the loan will be released in 7- 10 days, and it will arrive in about 3 days, which may be delayed sometimes, depending on the agreement between the borrower and the borrower.

legal ground

Article 30 of the General Principles of Loans

The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.

Article 33 of the Measures for the Administration of Urban Real Estate Mortgage

The registration authority shall examine the application of the applicant. If the ownership is clear and the certification materials are complete, it shall decide whether to register within 7 days from the date of accepting the registration. If it is not registered, it shall notify the applicant in writing.

After the transfer, how long will the mortgage of the real estate license be released?

The submitted application materials are complete, and the examination and approval will take about 15 working days. Because it involves evaluation, mortgage registration and other links, the situation of each customer will be different; Specific lending time, review status, processing progress, whether the loan can be cancelled and other related information can be directly confirmed by contacting the handling outlets or loan account managers.

Application conditions:

1. Legal and valid identity documents of the borrower;

2, the borrower's economic income certificate or occupation certificate;

3. The account book of the borrower; 4. Borrowers with spouses need to provide proof of husband-wife relationship;

4. If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment responsibility;

5, the purchase of second-hand housing property certificate;

6. The house sales contract signed with the seller and the transfer account provided by the seller;

7. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;

8. Property right of the purchased house * * * A written authorization document that someone agrees to sell the house;

9. Other documents or materials required by the lender.

Extended data

Precautions:

1. Is the house complete?

The real estate license is the only proof that the owner owns the house. There is a great risk for the buyer not to get the house if he conducts the house transaction without the real estate license. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it. Therefore, it is best to choose a house with real estate license for trading.

2. Is the property right of the house clear?

Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners. If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid.

3. Is the trading room rented?

Some second-hand houses have a material burden when they are transferred, that is, they are also rented by others. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time. Because China, including most countries, recognizes that "buying and selling does not break the lease", that is to say, the housing sales contract cannot compete with the previously established lease contract. This point is ignored by many buyers and intermediary companies in practice, and is also used by many sellers, thus causing more problems.

4. Is the land situation clear?

Second-hand housing buyers should pay attention to the nature of land use, whether it is allocation or transfer. The allocated land is generally used for free, and the government can recover it for free. Transfer means that the owner has paid the land transfer fee and the buyer enjoys more complete rights to the house. Also pay attention to the service life of the land. If the land use right of a house is only 40 years and the owner has used it for more than ten years, then it is a bit uneconomical for the buyer to measure whether it should be based on the price of commercial housing with the land use right of the same lot for 70 years.

5. Does the municipal planning have an impact?

Some homeowners may be eager to sell their second-hand houses, because they know that their houses will be faced in about 5 to 10 years, or build high-rise houses near their houses, which may affect lighting, prices and other municipal planning conditions. As a buyer, you should fully understand the details when buying.

6. Welfare housing distribution is legal.

Housing reform, housing projects and affordable housing are all welfare housing policies, which will be subject to certain restrictions when they are transferred. Moreover, these houses have certain national regulations on the nature of land and the scope of housing ownership, and buyers should avoid conflicts between sales contracts and national laws when purchasing.