About 15 working days.

It takes about 15 working days from application to loan. Buying a house loan, the whole process is about 20 jobs; When looking at the house, the buyer and the seller reach an agreement to pay the house purchase deposit: 1 day; Submit loan application and sign loan contract: 1 working day; Real estate assessment and third party guarantee: 1-2 working days; Bank approval: 5 working days; House transfer, down payment: 1 working day; Pay taxes and get a new real estate license: 4 working days; The bank receives the loan contract and mortgage registration: 3 working days; Bank loan to the seller, property delivery and final payment: 3-5 working days.

What if the mortgage is not approved?

There are many reasons why the mortgage loan can't be done. In practice, different situations are handled in different ways. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is the most important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved.

1, the seller's reason.

In the new house transaction, if the developer sells a house that is not qualified for sale, that is, the developer has not obtained a pre-sale permit or sold an existing house that is not qualified for use, the bank will not approve the loan when reviewing this situation. At this time, property buyers can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

In the second-hand housing transaction, if the loan of the house sold by the seller is not approved due to defects or mortgage seizure, or some people have objections, the buyer has the right to get back the deposit and down payment, and the seller can be held accountable.

2. Buyer's reasons.

Bad credit.

If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not grant the loan, and the buyer shall be liable for breach of contract.

Unable to pay the house price.

If the time agreed in the contract has passed and the buyer cannot pay the house price, it is a breach of contract and should bear the corresponding liability for breach of contract in accordance with the contract. Unless the sales contract stipulates an exemption clause on this issue, it is difficult for consumers to get a full refund.

break a contract

If you can't refund the full amount, how much money you can refund depends on the agreement in the contract between the two parties. In case of breach of contract, compensation shall be made according to the contract. If the liquidated damages are less than the paid house price, the seller shall return the remaining house price after deducting the liquidated damages to the buyer.

Whether the house can be resold.

Because reselling a house belongs to the transfer of creditor's rights and debts, it is only effective after obtaining the consent of creditors.

Is it possible to agree to postpone the loan?

If there is no agreement in the contract, the initiative to agree to postpone the loan is in the hands of the seller and can be resolved through consultation.

3. Non-buyer-seller reasons.

If the government's policies or bank regulations change, the loans that buyers should get cannot be realized, and buyers should negotiate with developers. If negotiation fails, there is no agreement in the contract. Property buyers can prove that they are not at fault and are really unable to buy a house, and ask the seller to return the down payment and deposit.

How long does it usually take to buy a house with a loan?

When buying a house in a bank and applying for a mortgage, it usually takes 1-2 weeks to lend money when all the information is complete and approved. Generally, it will not exceed 15 days, depending on the efficiency of the handling bank. If it is not the end of the year, the loan will be faster.

It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage; Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete. If the time is too long, the customer had better consult the bank, and the bank will tell you if there is any problem.

The conditions for applying for housing mortgage loans are:

1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

The information required to apply for mortgage loan for house purchase is as follows:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

Extended data:

Matters needing attention in mortgage to buy a house

1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where the real estate is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged real estate.

6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.