It takes about two or three days for financial institutions and one or two months for banks. Non-bank financial institutions; The efficiency of non-bank financial institutions is relatively high. When applying for housing mortgage loan, it only takes two days for the borrower to submit the complete application materials, and many people will go to non-bank financial institutions to handle this matter; Bank: Banks will strictly examine the qualifications of borrowers. When applying for housing mortgage loan, it takes 15 working days to complete the loan approval. In addition, with the assistance of the guarantee company, the approval process will be accelerated. In this regard, the bank's lending time is not fixed. The lending time of real estate mortgage loan is different in different situations. Usually, the loan time of real estate mortgage is about one to three months.
Extended information:
1. What are the requirements for real estate mortgage loan: legal identity is required; Need to have a stable income, have the ability to repay the principal and interest of the loan, and have no bad credit record; Need to have a legal and effective purchase contract; If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is below 10, and a down payment of not less than 30% of the total price of the purchased house is prepared or paid; Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid more than 1 year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the bank; The mortgaged property is your house; You need to have a regular job to repay your loan; Find more commercial banks like China Merchants Bank and China Development Bank, which may lower your income requirements. The loan amount is 50% of the amount assessed by the bank. The appraisal company designated by the bank conducts the appraisal, which is generated according to your age, ancillary facilities, degree of residential projects and other related factors. Generally, the appraisal price will be lower than the market price of the house, because banks should control risks.
2. Mortgage loan refers to the loan provided by the loan bank with the borrower's real estate, marketable securities and other documents as collateral to obtain the lien and pledge right of the borrower's property according to law to ensure the safety of the loan. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.
How long does it usually take for a bank mortgage loan to be released?
1. The loan investigation will take 4 working days.
2. The loan approval time is 5 working days.
3. 2 working days after the signing of the loan contract.
4. Mortgage registration takes 7 working days.
5. Lend money within 2 working days after mortgage registration.
6. If there are no reasons such as incomplete information and failure to lend money on time between the submission of the application and the lending, the lending time of the bank for real estate mortgage is about 7- 15 working days.
How long does it take to buy a house and apply for a mortgage loan
If a user applies for a commercial loan when buying a house, most banks need two weeks 1 month from the time the borrower submits the application materials to the time of lending. If it is a second-hand housing loan, it also involves transfer and re-mortgage procedures, and the time may be delayed by about a week. If you apply for provident fund loans, it will take 1 to 2 months or even longer because it involves many institutions such as provident fund and banks.
What are the procedures for handling mortgage loans?
How long does it usually take to get a house loan?
With the rise of housing prices, more and more people choose to apply for mortgage loans to buy houses, thus alleviating their economic pressure. After applying for a loan, it usually takes some time to lend money. So how long does it take to get a house loan? Let's take a look with Bian Xiao.
How long does it usually take to get a house loan?
1. Because the loan policy of each lending bank is different, the specific lending time of the house loan is uncertain. If the lender handles the housing provident fund loan, then the time for issuing the house loan will be relatively long, usually taking about 2 to 3 months, and the fastest will take about one month.
2. If the owner buys a new house and applies for a commercial loan, the loan bank will generally reply to the lender's loan application within three days after submitting the loan application. After the loan application is approved, under normal circumstances, the loan bank will issue the housing loan to the lender's bank account within one month.
3. If the owner buys a second-hand house and handles a commercial loan, then after the loan application is passed, the loan bank will issue a loan approval letter to the lender, who will go to the Housing Authority to handle the transfer formalities with the seller's loan approval letter, and then need to provide the tax payment certificate and the notice of obtaining the real estate license to the loan bank. After obtaining the real estate license, the loan bank goes through the mortgage registration formalities and then issues the house loan to the seller within one month.
4. After the house loan is paid to the lender's bank account, the lender needs to formally start paying the monthly payment and principal according to the loan method from the next month. If the loan is made on February 8, the lender will start to pay the monthly payment on March 8, and the eighth day of each month is the lender's monthly payment time.
The above is a detailed introduction about how long the house loan is generally extended, hoping to help everyone. When applying for a loan, you should choose the appropriate loan method according to your own economic ability and needs to reduce your economic pressure.
How long does it take for banks to handle housing loans?
It may take as long as three months, or as long as several weeks. The time required to apply for a housing loan varies from bank to bank, so it depends on which bank you apply for.
Different banks need different loan information, different approval processes and different time, so it is impossible to generalize. Generally speaking, it is as short as 2-3 weeks and as long as 3 months.
Loans generally require the applicant to provide information such as bank flow and asset certificates. If the information provided by the applicant is complete, the review will be relatively faster. Bank audit is generally entered into the system by the account manager, and then rechecked by the superior leader. The audit of different banks is different, subject to the actual situation.
Credit card overdue repayment, I believe many people have had it. First of all, it must be clear that as long as there is a credit card overdue record, you don't have to apply for a mortgage. The bank will decide whether to lend money after comprehensive evaluation according to the specific overdue situation of the applicant (continuous overdue and cumulative overdue times).
The above is my personal understanding of housing loan, I hope I can help you, thank you!