How long does it take for domestic bank mortgage prepayment application to be approved?
65,438+0 months. After submitting the application for prepayment of China Bank mortgage, the deduction will be arranged about 65,438+0 months later. If the borrower of China bank mortgage repays in advance, he must submit a written application to the lending bank at least 30 days in advance and obtain the consent of the lending bank.
Some property buyers have reported that the prepayment amount of China Bank is relatively abundant, and it takes one month to handle prepayment. There is no specific time limit for the approval of mortgage prepayment, but the time given by the outlets shall prevail.
If the number of prepayments of personal mortgage loans increases, banks are expected to need 2-3 months for approval before deducting money, and some even need to wait for more than 3 months. Different regions and different types of outlets have different difficulties in applying for early mortgage repayment and different waiting periods.
Do I need to make an appointment for prepayment of bank mortgage in China?
According to the contract, the lender may charge a certain percentage of liquidated damages according to the prepayment amount. Due to differences in business in individual regions, please consult the handling outlets for details.
The information to be carried in the prepayment of individual housing loan is the borrower's identity document, the individual housing loan guarantee contract and the original housing loan repayment card (discount), and an application shall be submitted to the original loan agency in advance according to the contract.
Bank of China officially reminded: Due to the complexity of mortgage business, the actual situation varies from place to place, and there are some special treatments. For the specific prepayment schedule, it is recommended to communicate with the prepayment specialist of the loan bank.