Mortgage loans vary from bank to bank, usually about 30 days. Mortgage loan process: the borrower fills in the Application for Mortgage of Residential Houses and submits the relevant certification materials of bank mortgage loan before lending; The bank examines the borrower's loan application, purchase contract, agreement and related materials; The borrower shall submit the property right certificate of the collateral and the insurance policy or securities to the bank for safekeeping; Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it; After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. .

How long can a bank mortgage be lent?

1. The loan investigation will take 4 working days.

2. The loan approval time is 5 working days.

3. 2 working days after the signing of the loan contract.

4. Mortgage registration takes 7 working days.

5. Lend money within 2 working days after mortgage registration.

6. If there are no reasons such as incomplete information and failure to lend money on time between the submission of the application and the lending, the lending time of the bank for real estate mortgage is about 7- 15 working days.

How long does it take for the bank to handle the mortgage?

Generally speaking, it takes 8- 14 days from bank mortgage loan approval to loan release. Usually, the borrower needs 4-5 days to prepare relevant information and send it to the bank for approval. After the approval of the bank, the borrower will be required to provide proof of other mortgage rights. It will take 2-5 days to get the certificate of his other rights, and then it will be sent to the accountant. Generally, the loan will be released after 2-3 days.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity.

Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Vehicle mortgage

Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral.

The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.

With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.

house property mortgage

Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions are

Give the borrower a certain credit line within the specified mortgage rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.

How long can the mortgage loan come down?

It takes about two or three days for financial institutions and one or two months for banks. Non-bank financial institutions; The efficiency of non-bank financial institutions is relatively high. When applying for housing mortgage loan, it only takes two days for the borrower to submit the complete application materials, and many people will go to non-bank financial institutions to handle this matter; Bank: Banks will strictly examine the qualifications of borrowers. When applying for housing mortgage loan, it takes 15 working days to complete the loan approval. In addition, with the assistance of the guarantee company, the approval process will be accelerated. In this regard, the bank's lending time is not fixed. The lending time of real estate mortgage loan is different in different situations. Usually, the loan time of real estate mortgage is about one to three months.

Extended information:

1. What are the requirements for real estate mortgage loan: legal identity is required; Need to have a stable income, have the ability to repay the principal and interest of the loan, and have no bad credit record; Need to have a legal and effective purchase contract; If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is below 10, and a down payment of not less than 30% of the total price of the purchased house is prepared or paid; Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid more than 1 year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the bank; The mortgaged property is your house; You need to have a regular job to repay your loan; Find more commercial banks like China Merchants Bank and China Development Bank, which may lower your income requirements. The loan amount is 50% of the amount assessed by the bank. The appraisal company designated by the bank conducts the appraisal, which is generated according to your age, ancillary facilities, degree of residential projects and other related factors. Generally, the appraisal price will be lower than the market price of the house, because banks should control risks.

2. Mortgage loan refers to the loan provided by the loan bank with the borrower's real estate, marketable securities and other documents as collateral to obtain the lien and pledge right of the borrower's property according to law to ensure the safety of the loan. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.

How long does it usually take for a house mortgage to be approved?

1. If the lender makes a real estate mortgage loan in the bank, it usually takes about 15-20 working days to get off. However, if the lender has the assistance of a guarantee company, the approval time may be faster. The specific lending time is subject to the actual processing time of the bank.

2. If the lender mortgages the property in a non-financial institution, it usually takes two or three days to issue the loan. The specific lending time shall be subject to the actual processing time of the lending institution.

How to choose the right bank mortgage loan

1. Compare loan terms.

For mortgage loans, banks should not only see whether the house meets the requirements, but also have more requirements for the qualifications of borrowers, such as credit status and personal income. Applying for a mortgage loan in a loan company mainly depends on the value and liquidity of the house. Borrowers with poor credit status and liabilities can generally borrow from loan companies as long as they can provide qualified houses for mortgage.

2. Compare loan interest rates.

Compared with credit loans, mortgage loans are less risky because there is a house as a guarantee for bank loans. However, at present, the interest rates of mortgage products of various banks are different. Specifically, different regions and different banks will be different. Even if it is the same bank, the loan interest rate in different regions will be different.

3. Compare the approval speed.

Mortgage banks have many procedures and slow approval. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan.

4. Compare the loan amount

Generally speaking, the maximum amount of mortgage bank loans is related to the assessed value, and the maximum amount cannot exceed 70%. This is true of banks and companies. In the actual examination and approval, the loan company is relatively loose. For the same borrower, the amount approved by the bank may not be as high as that of the loan company.

Which houses cannot be mortgaged?

1, schools, kindergartens, hospitals and other public facilities for the purpose of public welfare, whether belonging to institutions, social organizations or individuals, shall not be mortgaged.

2. Small property houses only have the right to use, and there is no ownership granted by the real estate license. Banks naturally don't accept mortgages.

3. A house with outstanding loans.

Many banks don't lend to second-hand houses with an average age of more than 20 years but less than 50 square meters.

Houses under 5.5 years old are not allowed to be listed and traded, and banks cannot obtain other rights certificates and apply for mortgage loans.

6. Some public houses can't provide the purchase contract or agreement, or the listing certificate of the central production house, so they can't make mortgage loans.

7. Buildings listed in cultural relics protection shall not be mortgaged.

8. Illegal building. Illegal buildings or temporary buildings cannot be used for mortgage.

Houses with disputed ownership and houses sealed up, detained, supervised or restricted in other forms according to law shall not be mortgaged.

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