How long does it take for a mortgage bank to approve the loan before it is approved, there is no standard answer to this, because the requirements of each bank are different, the standard of review is different, even if it is the same bank in different periods of time the speed of the approval is not the same.

Usually the bank approval of the loan only takes about half a month.

The bank's mortgage approval is relatively slow, from the time you submit materials to the bank into the pieces, and then to the approval, the whole process will take about half a month or so, in the process, the bank will focus on verifying the authenticity of the information, to examine the bank water, credit and other conditions to meet the bank's requirements.

If you've met the bank's requirements, you'll be able to get your application approved within 15 days of submitting your application.

Of course, how long it will take for the bank to approve the application depends on how many customers the bank has. If the bank has more customers applying for a mortgage, it will take longer to approve the application, and if there are fewer applicants applying for a mortgage, it will take shorter time to approve the application.

As for how long it takes for the bank to release the money after approval depends on the entity.

The bank mortgage approval through, does not mean that it must be immediately disbursed, the specific also depends on the degree of relaxation of the bank funds.

Under normal circumstances, if the bank has more funds, then 1~2 weeks after the loan approval through basically can complete the release of money, the entire mortgage application process only takes about a month of time.

But if you encounter a time when the bank's funds are tighter, the time for mortgage lending will be longer, and sometimes it's normal for individual banks not to lend money for more than half a year after the mortgage approval is passed. For example, the second half of 2017 to the first half of 2018 this time, then because the regulation is more strict, the bank mortgage quota is tighter, so at that time a lot of banks mortgage lending speed is very slow, most of the banks after the approval of the loan through the need to slowly queue up to wait for the release of the money, then most of the banks of the time to release the money is more than two months, and even some of the banks need to wait for more than six months before the release of the money.

How can I speed up the release of my mortgage?

Encountering the bank funds are relatively tight when the mortgage lending is slow, this time many people are very anxious, for example, some people are waiting for the mortgage approval down to be able to move into the house normally, the house as a wedding house. That encountered the bank lending slower, there is no way to improve the mortgage lending speed?

In fact, although the bank's lending speed is relatively slow when money is tight, some users are still able to do fast lending, and there are three main reasons why they can speed up the lending speed.

First, there is a relationship with the bank. If people know people in the bank, these people can say something in the bank, let him say hello to the approval department, so that you can through the back door to achieve fast lending.

Second, there are large deposits in the bank. If you are a big customer of the bank, or have a large deposit in the bank, then you can realize the fast release of money through the green channel.

Third, let the bank float higher lending rates. In the bank funds are more tight, everyone is queuing up, then the bank will choose the best lending, choose high lending, that is to say, who is willing to bear higher lending rates, then the bank is likely to prioritize the lending. So when banks are slow to lend, you can take the initiative to ask the bank to float a higher interest rate, so that the bank may be able to speed up the lending speed.

Hello, I'm glad to answer your question, how long does it take for a mortgage to be approved by the bank? How long does it take to get approved and disbursed? This depends on the specific circumstances, now I say a few points:

A mortgage approval process

mortgage approval fast and slow, mainly depending on the borrower to apply for the reported information, such as the borrower to report the loan information is complete and true, no defects in line with the requirements, the general situation of the 3 days on the completion of the approval. Take the ICBC, now fully implement the paperless office, the business requirements, after receiving the loan information, there is a specified time to complete the work, for the opinion of the complete and flawless loan information, the requirements of the approval process reported within 3 days, the general branch of the mortgage process, loan information is complete and reliable, the parent bank can be approved on the same day, the special circumstances delayed until the next day will be approved.

Second, the lending process

After the approval of the mortgage through, but also need to go through the relevant procedures to be issued, for example: the period of time, the developer has to deposit the required deposit, the house, to apply for the house mortgage formalities, etc., the formalities are complete, you can issue a loan. However, now the mortgage issuance by the loan limit restrictions, the loan no limit can not be issued, this is hard to say, one month, two months or even longer.

The above is my answer, I hope it can help you.

This can not be accurate, as short as a month, long as more than a year.

Before 2017, that is, before this wave of the nation's general market, the bank approval of the loan is generally 1-3 months. 2017 after the surge in demand for loans, the bank approval is more stringent, so the audit and lending time has been extended, so there are a lot of people who can not be approved for a loan for half a year after the transfer of the situation.

The speed of bank approval is linked to many factors such as personal credit, assets, liabilities, income, water flow, etc. If it is a high creditworthiness, higher net worth, no liabilities, and more money flow, then the approval will be a little faster, and vice versa, the slower. Of course this is also related to different regions, different banks, and different loan methods.

Generally speaking, as long as the bank notification of the loan application through the can go to the closing, then the final nineteen eighty-nine can be released. It's just a matter of time, with the current common lending time, usually about half a year, that is, between 4-8 months mostly. If the material and data are found to be false during the review, or if the applicant has a debt dispute or property dispute during this period, the review will extend the time or refuse to approve.

So there is no time standard for this, it varies from bank to bank and from person to person.

At present, more than 98% of the people in our country to buy a house is to choose the bank loan, for the bank by the exhaustion of the approval time and the time of release of funds, this is all part of the uncertainty. It is also important to take into account the fees and circumstances, which will greatly affect our bank's approval and disbursement of funds.

What to prepare for the bank's granting process as well as the lending process.

The bank mortgage must be ready to prepare the information, which includes identity card , hukou, marriage certificate , bank card, proof of income, bank current, credit report, proof of homelessness, real estate and so on. > .

Each bank and even each branch of their approval time is uncertain, normal bank approval time is in 7 ~ 15 working days, some banks even need a month to approve the money. In the comparison of banks, it is important to choose the one that is well-funded, so that the approval time will be much shorter.

▲The time it takes for the bank to release the money is a big part of the process of getting the money back.

Waiting to come out after our next wait for the bank to come out with the same letter of credit, our next formalities are foreclosure, decompression of the property, payment of taxes, transfer, waiting for the output of the new house, mortgage and release of funds.
With such complex procedures, the buyer and the seller of the procedures to arrange time will also affect the bank to release a period of time where the point of time, the longer the delay in the bank to release the money becomes slower.

After all the formalities are completed, the bank's disbursement time is generally 7 working days, taking into account the fact that some banks are short of funds, the disbursement time will be extended by 1 to 6 months is within the normal range.

The choice of banks on the four major banks, although the funds are sufficient, but there is a national policy to regulate the distribution of funds, there are a lot of funds are less willing to flow into the real estate market. Try to choose a commercial bank with a good reputation and reputation, so that the speed of granting and disbursement of funds are guaranteed.

There are a few common practices to improve the speed of approval and disbursement of funds by banks.

● The timing of the bank's mortgage is Monday or Friday. Most bank approvals are once a week, and some are half a month depending on the internal staffing structure of the bank. If dry, we then sign the mortgage the day after the approval, we have to wait until another cycle, so the whole time will be longer.

● in the mortgage of the bank to choose the relevant financial products , so not only can for the increase in the bank's approval speed, the more critical point is that you can reduce the mortgage interest rate, the choice of financial products after the interest rate of the mortgage will generally be adjusted downward by 5 percent, which can reduce the pressure on our future mortgage payments.

● Banks have familiar personnel to help, put the procedures organized faster, which is also become more people choose the agency. If we apply for a loan at a bank on our own, it's hard for any bank to lend us money privately without a familiar face.

Bank lending speed, we can choose guarantee company this channel to help solve the problem, after all, the guarantee company can have the right to help lending after our transfer, which is what we often hear fast loan . There is also the case where we ourselves minimize the time of all the formalities, in order that the latter formalities can be carried out more quickly for the lending.

Summary:

The bank's approval time and disbursement time is generally 7 working days, which is the ideal state of each bank, each branch of the people are different, so the time so the time is still deviation from a few days to a few months.

The length of time is the factor of the bank, we can not control the scope of my control is the length of our own procedures to carry out the problem, which should be controlled.

I have a real estate point meaning, familiar with the process of real estate transactions after the sale, first-hand buy and sell real estate expertise and a series of real estate issues, welcome to leave a message to discuss.

There is no precise answer to this question.

It's not that I'm going to talk crap, it's just the way it is.

Every bank, every time period, and every customer may have a different rate of mortgage origination.

Each bank's approval process may not be the same, each time period the bank's credit scale is not the same by the impact of the regulation is not the same, the task of credit investment is not the same.

Each customer qualification is not the same, and even the relationship between each property and the cooperative bank is not the same.

On the mortgage general bank how long will be approved down, you can go through the formalities directly ask you to handle the loan formalities of the bank staff, the approval of the length of time mainly depends on the formalities to give you the staff of the bank's efficiency as well as the approval of the efficiency of the higher authorities.

There is also the tightness of the bank's loan quota, which the bank account manager will generally give you when you apply for a loan. Of course, if you do not give you say, you can ask, because each bank's approval process and the efficiency of the account manager, as well as the degree of leniency of the loan quota are not the same, there is no uniform answer, ask your account manager is the best answer.

As for how long it will take for the approval to be disbursed, it is estimated that one or two working days can be disbursed under the premise of the quota (provided that the account manager is on duty and actively disbursing the money)

Once the approval has been given, it is necessary for the account manager to enter the loan information for you in the bank's computer system and for the approval of the higher authorities. Usually the same day to give you the approval of the completion of the approval, pending the completion of the approval, you can release the money.

I have been engaged in financial work for many years, if there are other financial issues can communicate with each other! The first thing you need to do is to get your hands dirty!

Another related must return!

The information submitted, face to face, the matter, three or five days through, and then sign the contract, appropriation, and began to pay the mortgage [awkward smile]

Generally a week to a month batch, the release of money are approved a week or so after the approval. Mainly still depends on the buyer's information, know a friend, without any acquaintance operation, handed over the information, two days on the appropriation, after 3 days on the release of funds. Real estate sales all feel incredible. So the impact of mortgage lending time I think there are mainly the following points. 1. buyers of security information such as credit, bank water, the Bank of financial products, etc. 2. bank capital flow, lending bank funds sufficient, they will soon release money. 3. the impact of the environment, this mainly depends on the country's policies and regulations, lax and tightening of the policy corresponding to the size of the lending funds and the time to affect or

Various banks and organizations have different lending times

You are specific where to do the loan, give me to say, I give you to say the specific time

Well fast, and then the main you loan, the bank is afraid that you do not loan, when the public can not afford to come to repossess the building.