202 1, the lending time of WeChat commercial bank mortgage is within three months after you successfully apply for mortgage. Generally speaking, many banks' mortgage loans will not last more than three months. If there is, it is also because of the interference of the market economy. Why our mortgage is getting slower and slower is because of the regulation of policies. Nowadays, many people's economy is getting better and better, and the demand for buying houses is greater. Let me talk about the lending time of our major banks.

First, the loan time of major banks is 202 1

1, Bank of China: Users generally report that the next payment will be faster. From application to review to lending, some people have finished it in a week, but many users are still waiting. If it is slow, it may take about a month.

2. Agricultural Bank of China: The lending speed is slow, and some users have not come down after waiting for 2-3 months.

3. Postal Savings Bank: The speed is relatively fast, about 15 days-1 month.

4. Rural commercial banks: the speed is relatively fast, basically about 7- 15 days, but some users said that local rural commercial banks stopped importing parts.

5. China Construction Bank: 15 -30 days or so.

It should be noted that, in addition to the current policy, the speed of bank lending is related to the number of people waiting for loans, personal comprehensive qualifications, different regions and other factors, so even the same bank may have different lending speeds for different users. Secondly, from the overall situation, the lending policies of first-and second-tier cities are obviously stricter, and the third-and fourth-tier cities are slightly looser; Compared with the second suite, the loan for the first suite is faster.

Second, what is a mortgage?

Mortgage, also known as housing loan, is also called housing mortgage loan. Property buyers fill in the Application Form for Housing Mortgage Loan to the loan bank, and provide ID card, income certificate, housing sales contract, guarantee and other legal documents and other required documents. After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank will directly transfer the loan funds into the house within the time limit stipulated in the contract.