If you haven't heard from the mortgage in the past three months, I suggest you call the loan bank directly to see if your loan has been audited.

If it has been approved, there is basically no problem, just wait for the bank to lend money; If it has not been reviewed, there will be some problems at this time, and you need to consult the bank at this time.

First-hand houses and new houses here are usually fast, because developers and banks sign a house payment contract. The quickest way is to approve it in 2 days and lend it in 3 days. Generally speaking, the approval takes 3-5 days, and the mortgage time will be based on the requirements of the developer. Time is hard to say, just 2-3 days, wait patiently.

Second-hand housing mortgage in the case of sufficient bank quota, it only takes one week from application to approval, or half a month if it is slow. If the bank's quota is insufficient, the house cannot be handed over until the beginning of the month, so the longest waiting period is probably 1 month.

The process of buying a house by loan is as follows:

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has the support of banks and determine whether it meets the conditions of bank loans to ensure the smooth acquisition of mortgage loans.

2. Loan application

After confirming that the property you choose has bank mortgage support and meets the conditions for buying houses with bank loans, buyers should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

The bank receives the relevant legal documents of mortgage application submitted by the property buyers, and after examination, it confirms that the property buyers meet the conditions of bank loan purchase, it issues a loan consent notice or a mortgage loan commitment letter to the property buyers. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign a house mortgage contract.

After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5. Apply for mortgage registration and insurance.

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

6. Open a special repayment account.

Regarding the commercial loan interest rate of the first suite, we can only provide a rough reference, because the actual loan time of each property buyer is different. People can choose fixed interest rate or floating interest rate when they borrow money to buy a house. Most importantly, every developer may cooperate with designated banks, and banks need to be consulted for relevant loan policies.