How long does it usually take to approve a housing loan?

For the loan application with complete materials, it usually takes 5 working days for the bank to accept the review. After the approval of the bank, the relevant information will be handed over to the housing provident fund management center, which will be responsible for approving the loan, that is, the preliminary examination will take about 5 working days. After passing the preliminary examination, the bank will notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval, the customer needs to sign a guarantee contract in the management center and pay the guarantee fee. After all the above contents are completed, the entrusted bank will issue the loan in full and on time according to the loan contract. This process takes about 15 working days.

How long does it usually take to approve a housing loan?

I bought a second-hand house and recently got a loan through an intermediary, saying that it usually takes about 10 days, but it took nearly three weeks because I said there were too many loans for buying a house recently.

After approval, it will take nearly a month to lend money after getting the real estate license. This is CCB's.

How long does it usually take to apply for a mortgage loan?

Let's analyze the specific situation. You can find a professional company to understand in the early stage of construction.

How long will it take for the mortgage on your new house to come down?

Citizens will receive a loan agreement issued by the bank in about 7 working days after submitting an application with complete information and in line with the purchase policy. However, from the receipt of the loan agreement from the bank to the release of the loan, both parties still need to handle the transfer of property rights, which takes 10 working days. After the buyer submits the mortgage registration certificate to the bank, it is estimated that it will take 7 to 10 working days to come to the bank for loan. The whole process takes about 24 working days.

How long does it usually take for a mortgage bank to approve a house? 5 points

1: If you need to apply for a mortgage when buying a new building, and the property has obtained a pre-sale certificate, as long as you apply to the bank, the bank will immediately check your credit history with the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit relevant copies of licenses, income certificates, down payment documents and other materials as required, and sign relevant bank documents and loan contracts.

2. After collecting all the information, the bank conducts internal examination and approval, and then goes to the housing management trading center to go through the mortgage registration formalities, which takes about 10- 15 working days. After the trading center issues other warrants, the bank will lend money within 3 working days, and then return the principal and interest through the designated account from the next month of lending, without any other formalities.

3. If you need to apply for a mortgage when buying a second-hand house, your personal integrity is fine after applying to the bank. If the bank decides to accept it, it will conduct a comprehensive evaluation of the property through a third-party evaluation agency, and the bank will verify the loan ratio according to the evaluation value. If the down payment of the loan amount is less than the contract amount registered by the housing management trading center, the difference shall be paid before the transfer formalities, and the relevant documents shall be submitted to the bank for future reference.

4. When the buyer and the seller handle the transfer formalities in the trading center, they shall also handle the mortgage registration formalities. After receiving other warrants, the bank will pay the loan to the account designated by the buyer and immediately transfer the relevant funds to the designated bank account provided by the seller.

Then you can repay the loan on time.

5. Entrustment, in principle, the sale of houses is not allowed. Please consult the local housing management trading center and relevant banks in advance. The entrustment procedure is only that you personally and the client personally issue the entrustment certificate and witness it at the notary office or law firm.

6. If you are married, all the above procedures need you to go through with my wife and provide a marriage certificate.

How long does it take to apply for a house loan in the bank?

Many people who buy a house with loans are most concerned about how long it will take from the bank to apply for a mortgage to get a loan.

Here, the lender tells everyone that the citizens can receive the Loan Agreement issued by the bank within 7 working days after submitting an application with complete information and conforming to the house purchase policy. However, from the receipt of the loan agreement from the bank to the release of the loan, both parties still need to handle the transfer of property rights, which takes 10 working days. After the buyer submits the mortgage registration certificate to the bank, it is estimated that it will take 7 to 10 working days to come to the bank for loan. The whole process takes about 24 working days.

How soon can I borrow money from the bank to buy a house now?

A month, that's soon. If your house has a high value and a large loan amount, it will take a long time! There are several forms of housing loan, you can choose the one that suits you! Six steps in the transaction process of new house purchase: 1, signing subscription contract 2, paying down payment for house purchase 3, signing sales contract 4, choosing payment method 5, receiving house occupancy 6, handling transfer registration and applying for personal housing loan. Pay attention to six aspects: 1, apply for a loan amount according to your ability; 2. The information provided to the bank should be true; 3. Provide your address accurately and timely; 4. Choose a good loan bank for mortgage loan; 5. Choose the repayment method that suits you best; 6. Repayment on time every month to avoid penalty loans mainly depends on the actual use of your loans. You can submit the loan application online within 2 to 3 working days (except weekends and holidays). Click on the online loan application link: loanchina/...x

Seek adoption

How long does it usually take to get the loan after paying the down payment?

After paying the down payment, it usually takes 15-20 working days to get the loan.

The bank has lent money to the seller, so the seller must start to repay the money monthly in the month after the bank loan. If you can't repay on time, you will face corresponding penalties, such as the house being sealed up, blacklisted by the bank and included in the central bank's database.

In addition, it should be noted that repayment is not directly related to delivery. In other words, there may be cases where the house loan has been repaid for several years, but the purchased house has not been delivered.

At the same time, after signing the sales contract, it is common sense that the loan procedures must be handled within ten working days, but it is also possible to negotiate with the developer to postpone the loan approval procedures and let the bank loan be repaid later.

How long does it take to buy a new house loan?

Generally, it takes 3 working days for the bank to approve the information, and it usually takes about one month from submitting the mortgage information to the bank lending. During this period, special circumstances such as the absence of bank staff or incomplete information and limited bank lending indicators are not excluded. It will take two or three months now. You can wait slowly if you are not in a hurry!

How long will it take to get a house loan (CCB) now?

It usually takes a month.

Personal housing commercial loan process

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral, and re-apply for mortgage registration after the purchased housing is completed and the property right certificate is obtained;

Secondly, information must be provided.

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 commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, it shall carry a valid Business License for Enterprise as a Legal Person or Business License for Enterprise as a Legal Person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

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

Three. General commercial terms

1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) of 65 years old and (female) of 55 years old in principle;

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).

Fourth, the housing mortgage loan process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;

3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;

7. Handling of problem customers:

(1) If the purchaser at the application stage applies for canceling the mortgage loan for his own reasons, the purchaser shall pay off the balance in one lump sum within 20 days from the date of cancellation;

(2) If the loan amount finally approved by the bank does not reach the total mortgage amount, the purchaser shall make up the balance within 10 days from the date of bank approval;

(3) If the bank mortgage loan is not approved due to the buyer's own credit, identity, repayment ability and other reasons, the seller will not return the house. According to the actual situation, if the first choice is to adjust the loan bank to apply separately, but it has not been approved, the purchaser may apply to change the purchaser and change the contract purchaser into a related person with family or relatives. The marketing department shall timely apply for dissolution of the commercial housing sales contract and re-sign the contract. If the purchaser refuses to change the contract, he shall pay the house price in one lump sum within 30 days from the date when the bank mortgage loan is not approved, and the breach of contract shall be implemented according to the relevant provisions of the contract;

(4) Long-term delay in obtaining loans. ......

How long does it take to get a mortgage?

After applying for a mortgage, some netizens said that they had not made a loan within 7 months. Some netizens said that the loan they applied for last Wednesday has already been released next Tuesday, and all the processes have been reviewed in just five working days. So why is bank lending sometimes fast and sometimes slow? Generally speaking, how long does it take to get approval after applying for a mortgage? The following small series will give you a brief explanation on this issue. After applying for a mortgage, the approval process will generally take 15 to 20 days, and the mortgage will generally be approved after 15 to 20 days. If your mortgage has not been approved for a long time, for example, some netizens say that they have not got a housing loan within 7 months, then it is likely that their qualifications are insufficient. Of course, this also needs the bank to remind. When the bank feels that you are not qualified, it should also send you text messages in various ways. At this time, you should stop waiting and fill in your information immediately. Regarding the application and approval process of housing loans, I would like to give you a brief supplement here. When we look at the house, we want to buy it through a bank loan. First, we need to submit an application for housing loan to the bank. After submission, the bank will review our loan application, sign a loan contract with us after successful review, and finally the bank will give us a loan. In general, the bank will review our loan application within 15~20 working days. In order to further understand the progress of our application submission, we can also contact the bank at any time. Finally, the speed of bank lending is also closely related to the adequacy of bank funds. If the bank is short of funds, the bank will lend more slowly. This time also needs us to wait.

How long does it usually take to get a house loan?

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 can the new house loan be approved?

Legal analysis: it takes about 15 to 20 days to approve the new house loan. After fifteen days of routine procedures, the mortgage has not been approved, which is generally not enough to provide qualifications. You need to submit a housing loan application to the bank. After submission, the bank will review the loan application. If approved, a loan contract will be signed and the bank will lend. The speed of bank lending is closely related to the adequacy of bank funds. If there is a lack of bank funds, the speed of bank lending will become slower.

Legal basis: Article 5 of the Interim Measures for the Management of Personal Loans The lender shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, clarify the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans. Article 9 The lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability.

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.