Generally, the time for providing all information is 7 working days. However, applying for a mortgage loan generally requires a house with three certificates, and only the real estate license is not allowed.
Second, how long does it take to approve the second-hand housing loan?
Time is not long. Second-hand housing loans are more difficult to approve than first-hand housing loans. However, after the second-hand house is approved, only mortgage registration procedures are required. This program takes 15 working days, and the loan can be released after it is completed.
Third, the second-hand housing loan has been approved. How soon can I get the loan? I waited for Bank of Beijing in Qingdao for two months?
How long did the second-hand mortgage be approved before lending? Bank of Beijing in Qingdao, I have been waiting for two months, and it will take three months to approve the second-hand housing loan.
4. How long does it take to buy and sell second-hand housing loans?
About five working days.
In order to avoid risks, the bank's work is very rigorous, and the approver will re-examine the auditor's work. If there is no problem, the bank will inform that the loan has been approved, and the tax payment can be transferred, which usually takes about 5 working days.
If the original owner does not have a loan, he will pay taxes and transfer the mortgage property certificate after approval, and the bank will lend money in about seven working days. If the original owner has a loan, he needs to apply to the loan bank for early repayment after signing the contract. Time depends on the bank itself. Some owners need a month to pay taxes and transfer mortgage property certificates after the loan is paid off.
Matters needing attention in housing loan
Apply for a mortgage according to your ability: some users will think that the larger the loan amount, the better. Actually, that's not the case, because after you get the mortgage, you have to pay it back and you have to pay interest. If the loan period is long and the loan amount is large, then it is necessary to pay more loan interest and increase the repayment pressure.
After the loan application is approved, the buyer can repay the loan every month. Then, if you encounter difficulties and can't repay the loan on time, the buyer can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.
For the above contents, please refer to People's Daily Online-How long will the loan be approved (Chengdu Bank).