Generally, it takes about three months to get a loan: the Housing Authority handles the housing registration certificate for 2 1 working day; The bank approves the application for 7 working days, the mortgage for 7 working days and the mortgage for 7 working days; It takes 7 working days to release the loan and 7 working days to release the loan to the fund account.
Materials required for the loan: the borrower's valid ID card, household registration book and proof of marital status; Unmarried people need to provide proof of unmarried; Divorced people need to provide court civil mediation or divorce certificate (indicating that they have not remarried after divorce); Married people are required to provide their spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); Proof of property right of real estate; And the guarantor (ID card, household registration book and marriage certificate are required).
Note: Loans can only be made with collateral, and the sum of loan amount and interest during the loan period cannot exceed 65,438+0/2 of the assessed value of collateral, and there is a long-term and stable income source to pay the monthly loan principal and interest. Age limit of guarantor and borrower: male age+loan period shall not exceed 60 years old, and female age+loan period shall not exceed 55 years old. Customers blacklisted in the credit information system cannot apply for loans, and the loans need to pay lawyer witness fees and mortgage registration fees.
Process: apply for a loan from the bank, and after the bank accepts it, evaluate the value of the mortgaged property and verify the loan amount according to the evaluation value; Open a personal current account, sign a loan contract, etc. ; Handle real estate mortgage registration and bank loans.
What should I pay attention to before applying for a loan after paying the down payment for half a year?
1, the focus is very obvious, generally concentrated in six aspects: first, age; The second is the place of work; The third is the working years in this unit; Fourth, income requirements; The fifth is the credit situation; Sixth, occupational or industrial restrictions. If these six elements are up to standard, you can apply with confidence.
After reading the loan application conditions, it is relatively simple to prepare the materials. Collect four sets of loans: copy of personal ID card, work certificate, punch card salary and personal credit report, and you can almost summon the credit manager.
2. Generally, it is required to pay by punching in for six consecutive months, at least three months. Loan applicants can go directly to the bank counter to print, and this service is free.