A. How long does it take to get approval for a bank loan to buy a house

It usually takes 22-25 working days to release the money.

The process of getting a mortgage loan to buy a house:

Choosing a property;

Confirming that the property constructed by the developer is backed by the bank in order to ensure that the mortgage loan is successfully obtained;

Processing the application for a mortgage loan;

Signing the contract for the purchase of a house. After reviewing and confirming that the purchaser meets the conditions of the mortgage loan, the purchaser will be issued a notice of consent to the loan or a letter of commitment to the mortgage loan;

The purchaser can then enter into a Commodity Property Pre-sale and Sales Contract with the developer or its agent;

Signing the Building Mortgage Contract. Define the amount of mortgage loan, term, interest rate, repayment method and other rights and obligations;

Register the mortgage and insurance. Under normal circumstances, as the mortgage loan period is relatively long, the bank, in order to prevent the loan risk, requires the purchaser to apply for life and property insurance;

open a special repayment account;

and go through the relevant formalities, a one-time transfer of the loan into the developer's bank supervisory account opened in the bank as the purchaser's purchase price;

borrower according to the provisions of the contract for regular Repayment.

Two, postal bank loan to buy a house generally how long approval

Postal bank loan to buy a house generally need about a week to complete the approval. Generally, after the borrower submits the loan application information, the postal bank staff need to verify and check the application information one by one, and notify the borrower in time for the non-compliance with the requirements. After the approval, the borrower needs to go to the business office of the postal bank to apply for mortgage registration formalities, after the mortgage registration formalities, the postal bank will issue a mortgage certificate, and then sign a contract with the borrower, and finally release the money to the borrower.

Three, how long does it take for the bank to approve a loan to buy a house

After the buyer submits the application information for a mortgage, the bank generally takes 15 working days to review the time. If the information is correct and meets the requirements of the bank loan application, the bank will notify the buyer, the preliminary examination passed. After that, then enter the face-to-face stage, the face-to-face stage takes about 7 working days or so, if passed, it means that the home buyer's mortgage application is basically stable.

But the qualification requirements of each bank for home buyers are a little different, with the continuous implementation of the new mortgage policy, many regional banks for home buyers credit requirements have also increased a lot. According to feedback from actual users, it now takes about 1 month to find out if your mortgage approval will be approved when you go to the bank to apply for a mortgage, and it takes about 30 working days to qualify for a loan.

EXTENDED READING: How to make sure you can get a bank loan before you buy a house?

Homebuyers who want to know if they will pass the mortgage approval before they submit their loan application can find an intermediary organization that will explain their situation in detail. Generally intermediaries are the most sensitive to bank mortgage approval requirements, home buyers say their own situation, the intermediary will be able to estimate a rough.

In addition to intermediaries, homebuyers can also choose to directly ask the property's account manager. Generally the real estate has a relatively close relationship with the bank, what changes in the bank lending business, the real estate developer is certainly the first time to know.

The so-called credit card spend, that is, the credit report appeared a lot of inquiry records, as well as miscellaneous borrowing records, if a person frequently apply for online loans, once the credit card spend, their own comprehensive score in the bank will be reduced, even if they do not overdue, and then go to the bank for banking, such as mortgage, credit cards, but also very difficult to pass, because of the seriousness of the bank reviewers, frequently apply for online loans are money hungry type, they will think that this kind of customers are more risky.

Just search: kingfisher data. Click on the query, enter the information to query their own hundred lines of credit data, which originates from the country's online lending platforms and the UnionPay, the user can query their own big data and credit situation, you can get all kinds of indicator data, query their own personal credit situation, blacklisting situation, online loan application records, the type of platforms to apply for, the online loan credit limit estimate and other important data information, and so on.

In addition to the credit report, not on the credit of the online loan should also be paid on time, after all, now the application of online loan big data is more and more extensive, online loan big data poor will also affect the loan application.

Both credit or online loan big data, for everyone is important. In today's internet big data era, protecting your credit is an important asset and wealth.