1. Generally, the mortgage will be put down within 3 months. If you haven't heard from the mortgage for nearly three months, I suggest calling the loan bank directly to see if your loan has been audited. If it has been reviewed, there will be basically no problem, just wait for the bank to lend money; If it has not been reviewed, there will be some problems at this time, and you need to consult the bank at this time.
2. First-hand houses here are usually very fast, because developers and banks sign a house payment contract. The quickest way is to approve it in 2 days and lend it in 3 days. Generally speaking, the approval takes 3-5 days, and the mortgage time will be based on the requirements of the developer. Time is hard to say, just 2-3 days, wait patiently.
3. 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.
Extended data:
Housing bank loan conditions:
1. Original and photocopy of the borrower's valid identity certificate (in which the borrower's age must meet the basic conditions of 18-65 years old); Local permanent residence or valid residence identity certificate; Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.
2. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage; The Guarantor agrees to provide the written documents of the guarantee and the guarantor's credit certificate required by the borrower to obtain the guarantee amount (not required if it is a credit loan).
3. Collateral evaluation report issued by the socially recognized evaluation department (this material is required for mortgage loans, and others are not required); Other documents and materials specified by the bank. Different banks and different loan products require different conditions. It is suggested that users in need can call the bank customer service or credit manager directly.
The basic process of mortgage loan is as follows:
1. On-site house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the houses applying for mortgage loans to conduct on-site house inspection;
2. Property right verification; The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;
3. Signing: The bank carefully checks and verifies the original information of customers, identifies the authenticity of all the signatories, supervises the signature of customers, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle the account in the bank;
4. Fill in the contract: the bank sorts out the information and fills in the contract according to the relevant information provided by the customer;
5. Payment obligation: the bank will notify the customer to pay the fee after passing the pre-trial;
6. Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank;
7. Bank loans.
With the continuous improvement of China's economic level, more and more citizens will buy real estate, so because of the high housing prices in China, citizens will choose to solve the problem by means of loans when buying a house. When handling the loan procedures, the parties also need to submit proof of income and materials related to house purchase, and the bank will also review the applicant's conditions after receiving the materials.
How long can the house loan be approved? How long can the loan be released?
Buying a house is a major event in life, and moving into a new house is a very exciting thing. After seeing the house, all the processes behind it should be as fast and smooth as possible. Therefore, the process of waiting for loan approval after applying for mortgage is extremely long. How long does it usually take to approve a house loan? How long can the loan be released after approval?
First, how long can the house loan be approved?
Each bank's audit methods and personal qualifications are different, so the approval time of housing loans is not fixed. Common loan methods are commercial loans and provident fund loans, and provident fund loans need more information and procedures. Generally speaking, the approval of commercial loans will be faster, and it will be approved within one week after submitting the application. The loan review of new houses is faster than that of second-hand houses, and new houses can generally be approved in 3-5 days. The review time of provident fund loans is a little longer, generally about one month, and it will be approved within three months at the latest.
Second, the payment time of the house loan
After the housing loan is approved, the next payment time is faster. Under normal circumstances, the loan will be released within 1-3 days after approval. Of course, there will be some special circumstances, such as negotiating with the developer to lend money at a special time. Various taxes and fees for buying a house are also a big expense. Click to use the house tax calculator.
Summary: The time for housing loan approval is long or short, but the longest time will not exceed 3 months. If you don't receive any notice after this time, you can apply for a loan directly from the bank, and you can call the bank for advice. If you apply for a mortgage from a bank that cooperates with the developer, you should ask the developer's staff as soon as possible.
Will you approve the bank loan to buy a house and mortgage? What do I need to prepare to apply for a loan?
It's common to buy a house now as long as the down payment is ready, and then the loan is ok. However, if you choose a bank loan, not everyone can apply for it, and you can only lend money after approval. Then let's take a look at the good bank loans to buy a house and mortgage. What do I need to prepare to apply for a loan?
It's common to buy a house now as long as the down payment is ready, and then the loan is ok. However, if you choose a bank loan, not everyone can apply for it, and you can only lend money after approval. Then let's take a look at the good bank loans to buy a house and mortgage. What do I need to prepare to apply for a loan? The content is as follows:
Will you approve the bank loan to buy a house and mortgage?
1. Generally, the mortgage will be put down within 3 months. If you haven't heard from the mortgage in the past three months, I suggest you call the loan bank directly to see if your loan has been approved. If there is, there is basically no problem, just wait for the bank to lend money. If it has not been reviewed, it is usually a small problem at this time. At this time, you need to call the bank for advice.
2. First-hand houses here are usually very fast, because developers and banks sign a house payment contract. The quickest way is to approve it in 2 days and lend it in 3 days. Generally speaking, the approval takes 3-5 days, and the mortgage time will be based on the requirements of the developer. Time is hard to say, just 2-3 days, wait patiently.
3. 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.
What do I need to prepare to apply for a loan?
1. Original and photocopy of the borrower's valid identity certificate (in which the borrower's age must meet the basic conditions of 18-65 years old). Local permanent residence or valid proof of residence. Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.
2. Pledge right, the list of collateral and ownership certificate required for the borrower to obtain the pledge and mortgage amount, and the written document that the owner and the real estate * * * agree to pledge and mortgage. The Guarantor agrees to provide the written documents of the guarantee and the guarantor's credit certificate required by the borrower to obtain the guarantee amount (not required if it is a credit loan).
3. Collateral evaluation report issued by the socially recognized evaluation department (this material is required for mortgage loans, and other materials are not required). Other documents and materials specified by the bank. Different banks and different loan products require different conditions. It is suggested that users in need can call the bank customer service or credit manager directly.
Shall we follow me and approve bank loans to buy a house and mortgage? After understanding what needs to be prepared to apply for a loan, we know that if we choose a bank loan to buy a house, we must meet the conditions of the loan. To know that different bank loan conditions are completely different, be sure to ask in advance. I hope my introduction above can help you.
How long can the loan for buying a new house be approved?
About 20 working days
"It usually takes about 20 working days to buy a house loan. If you need to apply for a mortgage when buying a new house, and the property has already applied for a pre-sale certificate, as long as you submit an application to the bank, if there is no problem, the bank will reply to the personal loan application within 3 days, ask for the submission of relevant materials, and sign relevant loan contracts and other bank documents and vouchers. "
1. If you need to apply for a mortgage to buy a new house, and the pre-sale certificate has been processed, you can apply to the bank. If there is no problem, the bank will reply to the individual's loan application within 3 days, request to submit relevant materials, and sign relevant bank documents and loan contracts.
2. After collecting all the information, the bank submits it for internal examination and approval, and then goes to the housing management transaction to go through the mortgage registration formalities, which takes about 10 working days. After the transaction is issued, the bank will lend money within 3 working days.
3. If buying a house is to apply for a commercial loan, it usually takes about two weeks from the time when the lender submits the information to the time when the loan is issued. If it is a provident fund loan, the processing progress will be slower, and it may take 1-2 months or even longer.
I. The Measures for the Administration of Individual Housing Loans have corresponding provisions:
Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower as required.
After the application for housing provident fund loan is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract.
Two. Relevant provisions of the Measures for the Administration of Individual Housing Loans:
Article 27 All parties to a loan must abide by national laws and policies, and sign a contract on the basis of equal consultation in accordance with national plans and relevant regulations. No unit or individual may force banks and credit cooperatives to sign loan contracts and issue loans.
After the real estate transaction contract comes into effect according to law, both parties shall consciously perform the contract. If either party fails to perform or fails to perform completely, it shall bear the liability for breach of contract and compensate the other party for the economic losses suffered as a result.
Twenty-ninth individual housing loans shall not be used to buy luxury housing. Housing renovation and self-built housing loans for urban residents shall be implemented with reference to these measures. The Lender may formulate detailed implementation rules according to these Measures and report them to the People's Bank of China for the record.