Generally speaking, when applying for a mortgage loan in a bank, some banks can lend money within 20 days, such as Chengdu Industrial and Commercial Bank and HSBC. There are also some banks that need about 30 days to lend money. Take Chengdu as an example. China Bank, Agricultural Bank and China Construction Bank are the main banks that need 30-day mortgage loan in Chengdu. Other banks are slower to lend money, which takes 35 or even 40 days. For example, it takes 35 days for Minsheng Bank, Postal Savings Bank, China CITIC Bank and Bank of Communications to lend money; It takes 40 days for Chengdu Bank to lend money; Everbright Bank's mortgage lending time is relatively slow, taking 45 days. After applying for a successful mortgage loan, the borrower must remember to repay the loan in full and on time every month, otherwise the overdue will have a serious impact on the personal credit record.
Two. The approval process and time of portfolio loan
It takes about 30 working days to approve the portfolio loan. What is the approval process for portfolio loans?
1. To apply for a loan, if the borrower applies for a housing provident fund loan with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal, he must also bring a marriage certificate or other proof of husband-wife relationship, and fill out the Application Form for Personal Housing Provident Fund Loan (Combined Loan).
2. The bank reviews the data, evaluates whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term.
3. Sign a loan contract with the loan bank. After the loan bank examines the borrower's application, the borrower signs a pledge contract with the same (without housing guarantee).
4. There are two ways to go to the property right department to handle the loan guarantee procedures and handle the housing provident fund loan (portfolio loan). The borrower can choose which one according to himself.
5. Go through the formalities of housing mortgage insurance. After the borrower has gone through the mortgage or pledge formalities in the property right department, he shall submit the loan materials such as the pledge contract, the house ownership certificate and the mortgage certificate to the loan bank for home insurance formalities.
6. If the repayment agreement and deduction method are signed, the borrower shall handle the repayment withholding and savings card at the savings outlets of CCB, and sign the withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank.
7. In case of bank transfer, the borrower shall go to the loan bank to handle the collection formalities according to the time agreed with the loan bank, and the loan bank will transfer the money to the selling unit; The contract was withdrawn.
Matters needing attention in applying for portfolio loan:
1. Only provident fund depositors can apply for portfolio loans.
The form of provident fund loans plus commercial loans is portfolio loans. Therefore, if you want to apply for a portfolio loan, buyers need to pay enough provident fund to meet the demand for provident fund loans, and the provident fund account is still in a normal state of deposit.
2. Make full use of provident fund loans
When applying for portfolio loans, buyers must pay attention to make full use of them, that is to say, give priority to extending the loan term as much as possible, and at the same time greatly shorten the business amount and save the loan cost.
Step 3 pay in advance
If property buyers need to repay in advance after applying for a portfolio loan, they should choose to repay the commercial loan first. Don't worry about the provident fund loan, because the loan interest rate of the loan part is paid off compared with the provident fund loan, and the borrower can
4. Determine the loan amount
For property buyers, even if they apply for a portfolio loan, they should make demands and then determine the loan amount. Once the amount of provident fund loans is determined, it cannot be changed. Therefore, property buyers must go to the provident fund management center to determine the final loan amount according to their own situation. The maximum loanable amount of portfolio loans is determined by two aspects, namely, the maximum loanable amount of corporate loans and the final loanable amount.
Three. The approval process and time of portfolio loan
It takes about 30 working days to approve the portfolio loan. What is the approval process for portfolio loans? 1. When applying for a loan, the borrower applies for a housing provident fund loan with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of the relationship between husband and wife), and fill out the Application Form for Individual Housing Provident Fund Loan (Combined Loan). 2 bank audit, the loan bank shall, according to the information provided by the borrower, evaluate whether the borrower meets the loan conditions, calculate the loan amount and determine the loan term. 3. Sign a loan contract with the loan bank. After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee). 4. There are two ways to go to the property right department to handle the loan guarantee procedures and handle the housing provident fund loan (portfolio loan). The borrower can choose any one according to his actual situation. 5. Go through the formalities of housing mortgage insurance. After the borrower has gone through the mortgage or pledge formalities in the property right department, he will go through the formalities in home insurance with the loan materials together with the loan contract, mortgage contract (pledge contract), house ownership certificate, mortgage certificate and other loan materials. 6. Sign the repayment agreement and transfer the money. If the repayment is made by withholding savings card, the borrower shall go to the savings outlets of CCB to handle the repayment withholding savings card and sign the withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the entrusting unit shall sign an agreement with the loan bank. 7. In case of bank transfer, the borrower shall go to the loan bank to handle the collection formalities according to the time agreed with the loan bank, and the loan bank will transfer the money to the selling unit; The borrower shall withdraw the repair and construction loan as agreed in the loan contract. Matters needing attention in applying for portfolio loan: 1. Only provident fund depositors can apply for portfolio loans. The form of provident fund loans plus commercial loans is portfolio loans. Therefore, if you want to apply for a portfolio loan, buyers need to pay enough provident fund within a certain period of time to meet the demand for provident fund loans, and the provident fund account is still in a normal payment state. 2. When applying for portfolio loans, buyers who have fully used provident fund loans must pay attention to the fact that they must first use up the amount of provident fund loans, that is to say, they should give priority to using their own provident fund loans, extend the loan term as much as possible, and shorten the commercial loan term to a great extent, so as to reduce the monthly repayment amount and save the loan cost. 3. Repaying commercial loans in advance If buyers need to repay in advance after applying for portfolio loans, they should choose to repay commercial loans first. Don't worry about provident fund loans, because in portfolio loans, the loan interest rate of commercial loans is higher than that of provident fund loans. If the commercial loan is paid off first, the borrower can save a lot of mortgage interest. 4. Determining the loan amount For buyers, even if they apply for a portfolio loan, they must first understand their own needs and then determine the loan amount. Once the amount of provident fund loans is determined, it cannot be changed. Therefore, property buyers must go to the provident fund management center to inquire about the maximum loan amount and determine the final loan amount according to their own situation. The maximum loanable amount of portfolio loans is determined by two aspects, namely, the maximum amount of provident fund loans and the maximum amount of commercial loans. The lower of the two is the final loanable amount of the portfolio loan.
4. How many days is the first trial of portfolio loan?
Generally, portfolio loans will be approved within one or two months and the results will be obtained. After the portfolio loan application is submitted, the provident fund loan and the commercial loan are reviewed separately. Provident fund loans are audited by the local housing provident fund management center, and commercial loans are audited by the entrusted bank. Approved customers need to sign loan contracts and go through mortgage and other related procedures at the outlets within the agreed time. This process takes about five to seven working days. Then it will enter the lending link, which is also a separate loan. The provident fund loan is funded by the local housing provident fund management center, and the commercial loan is funded by the entrusted bank. It takes about one to two months for the loan to arrive.