Time required for second-hand housing from loan to transfer:

1 day to submit materials and apply.

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in.

The staff will make a preliminary evaluation of the materials. Finally, the three parties agree on the time, and the bank will contact the designated place.

Day 2-7 Assessment

Evaluate at the source according to the agreement. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Evaluation fee.

Day 8-10 Bank Approval

After the bank meets the requirements of the loan applicant, it shall examine and approve the loan amount and term according to the housing qualification. The approval process usually takes about 5 working days, but it can be completed in the same office building 1-2 days.

1 1-33 pay the down payment and handle the transfer.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and the bank staff prove that the mortgage application issued by the bank is audited. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

34-35 days for mortgage registration and insurance procedures, bank loans.

After the buyer receives the real estate license, he goes through the mortgage registration and insurance formalities, and the insurance premium is 2,000 yuan. The bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule as agreed in the contract.

Two. How soon will the loan from Guangfa Bank arrive?

Lending usually takes 40-50 working days.

The basic process of mortgage loan is as follows:

On-site inspection:

Loan officers, intermediaries, appraisers, buyers and sellers go to the housing site to apply for mortgage loans to conduct on-site investigation of the housing;

Property right verification;

The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;

Sign the contract:

The bank carefully checks and verifies the original information of customers, identifies the authenticity of all signatories, supervises the signature of customers, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

Fill in the contract:

The bank arranges the information according to the relevant information provided by the customer and fills in the contract;

Payment obligation:

After the bank's fee is pre-approved, it will inform the customer to pay;

Transfer of property rights:

With the help of the Housing Authority, the buyer and the seller go through the formalities of property right transfer; The Lender prepares relevant materials to go through the mortgage formalities at the bank;

Bank loan.

Third, Guangdong Development Bank, the second-hand housing loan, the procedures have been paid, how long can it be done?

This is not a 100% batch. You should be prepared.

Iv. Time of second-hand housing loan of Guangfa Bank 202 1?

202 1, the second-hand housing loan time of Guangfa Bank is:

9: 00 a.m.-18: 00 a.m. on normal working days from February18.

Lend money during this period.