Under normal circumstances, after the mortgage is approved, the customer will go to the bank to sign a loan contract, then go to the local housing authority to go through the mortgage registration formalities, and hand over the other warrants to the bank before the bank will lend money. After the mortgage registration is completed, the bank will generally lend money in a week or so. But sometimes the speed is slow, and the bank funds are tight. It takes more than ten days or more than half a month to lend money in the past month.
For example, commercial personal housing loans usually take one or two months from application to lending, while housing provident fund loans often take two or three months from application to lending, which takes longer.
The reason why it takes a long time to apply for a mortgage is that after submitting a loan application, it needs to go through the stages of examination and approval, housing evaluation, signing a contract and handling housing mortgage registration. The process is more complicated and naturally takes longer.
The customer only needs to wait patiently, because the bank will send a message to inform the customer when the loan arrives, and will also inform the customer when the system approval result comes out, and agree on the signing time, so the customer can pay attention to the information notice sent by the bank.
How many days is the credit card overdue?
Each bank's credit card has a certain grace period for repayment, during which the repayment will not be recorded in the credit report. Most bank credit card repayment grace period is 3 days, and the application does not need to take effect automatically. However, some banks have special provisions on the grace period for repayment, as follows:
1, Bank of China:
The grace period for repayment of the Platinum Credit Card of China Bank is 9 days, and the grace period for repayment of other credit cards of China Bank is 3 days.
2. Postal Bank:
The grace period for repayment by China Post Bank is 4 days.
3. Guangfa Bank and Citibank:
Both Guangfa Bank and Citibank need to apply for a special grace period for repayment, usually around 3 days.
4. Agricultural Bank:
The grace period for repayment of China Agricultural Bank is 2 days.
5. ICBC:
ICBC's Star Card and Struggle Card can have a grace period of three days, while ICBC's other credit cards have no grace period.
What are the consequences of overdue credit cards?
If the overdue period reaches a very serious state, it will constitute a malicious overdraft and will be convicted of a credit card crime. Sentencing standards will be implemented according to the amount of our malicious overdraft, including less than 5 years, less than 5 years of dissatisfaction with 10 year, or more than 10 year, and a fine of 20,000 yuan to 200,000 yuan, 50,000 yuan to 500,000 yuan or confiscation of property.
If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if it is overdue three times in two years, then our provident fund loan will be beyond our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.
If the overdue period is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have a bad record of credit investigation. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by 10% because of your credit problems. Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering the plan to buy a house in the future, it must not be overdue.
How long does it take for a bank mortgage loan from application to lending?
Generally, it takes at least fifteen days from application to loan.
If there is no bank loan for the property: Yes.
1. Identity cards of the obligee and spouse.
2. The household registration book, fund and cash passbook of the obligee and spouse, and the application materials for housing mortgage loan, please provide the birth certificate.
If there is a bank loan for the real estate: Yes.
Property certificate (the property certificate and land certificate in the mortgage bank loan must be mortgaged to the bank).
2. If the owner of the real estate license has minor children, please provide the original loan contract and the latest bank statement.
3. In order to improve the pass rate of mortgage loan, please provide other family property certificates as far as possible, such as other real estate licenses and stocks.
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income. This proof has a great influence on the success and maximum amount of mortgage bank loans.
Extended data:
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.
This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.
This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds.
Most borrowers of this kind of housing loan are individual residents, so it is impossible for banks to clearly know the borrower's financial strength and credibility, which increases the risk of bank loans, and mortgage loans provide creditors with an effective guarantee to recover loans just under the condition of high loan risk.
Therefore, most banks use mortgage loans when granting housing loans to individual residents. [