Under normal circumstances, it takes 15-20 working days to approve the housing loan of CCB. Mortgage approval process: after the approver exceeds the approval authority, it will be submitted to the credit approval authority of the superior bank for approval. After investigation, the situation was clearly understood in the Approval Form of Personal Housing Loan of China Construction Bank, and the review opinions were filled in. The loan approval form and approval materials were submitted to the person in charge of the credit department, who filled in the approval opinions on the Approval Form and submitted them to the governor in charge for approval.

Extended data

Verb (short for verb) handler

1. loan application: the borrower and the * * * person submit the loan application to the provident fund center with the required information;

2. Loan acceptance: the center will review the loan information within 15 working days, interview the borrower and confirm the loan;

3. Loan confirmation: the borrower and the authorized person of * * * sign the loan contract at the center, and the center issues the Notice of Transfer;

4. Pre-registration of mortgage: the borrower entrusts the provident fund center to handle the pre-registration of house mortgage;

5. Loan guarantee: the borrower and the borrower sign a loan guarantee contract;

6. Loan issuance: The borrower shall go through the loan transfer formalities at the center and the bank within the time specified in the transfer notice;

7. Loan repayment: The borrower shall deposit the loan principal and interest into the repayment account opened by the borrower in the entrusted bank on time before the 20th of each month from the month following the loan issuance;

8. Mortgage change: The borrower shall, within 3 months from the delivery date of the house agreed in the house purchase contract, handle the registration of house ownership certificate and mortgage change, and hand over the house ownership certificate to the seller, who will transfer it to the provident fund center.

References:

China Construction Bank official website: Forward Housing Loan.