2. After receiving the application form at the counter of the outlet and filling it out, hand over the completed form together with the information to the staff. After sorting out the materials, the staff will submit them to the audit department for review and evaluate the customer's personal credit rating. At the same time, the evaluation agency will send staff to evaluate the value of the house, approve and determine the loanable amount, and then immediately notify the customer.
3. After receiving the notice, the customer will sign the loan contract at the outlet within the agreed time and go through the relevant mortgage and guarantee procedures, and then the bank will lend money. Customers just need to wait patiently for the payment to arrive. When the payment is in place, customers can use it, which can be used for large-scale living consumption (such as medical care, education), production and operation. , but it is not allowed to be used in financial investment fields such as buying stocks, funds and trusts, and it is also forbidden to be used for credit repayment.
How long can the real estate license loan be approved?
The loan of real estate license generally takes fifteen working days to complete. The process of real estate license loan has the following points: first, you need to prepare relevant materials, including household registration book, husband and wife ID cards, marriage certificate, and bank flow in the past six months. Then the bank needs to review the borrower's purchase contract, agreement and some related materials. Secondly, the borrower and the guarantor of both borrowers signed a housing mortgage loan contract.
Legal basis:
Article 61 of the People's Republic of China (PRC) Urban Real Estate Management Law shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level. If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.