If we follow general regulations, if we fail to obtain the real estate certificate in time due to these circumstances after buying a house, it can be considered a breach of contract. The first type is that there is a stipulated time limit but it has not been achieved. The second type is that the house is under construction but there is no certificate within three months after handing over the house. Or there is the case where the house has been completed and there is no certificate within three months of signing the contract. So in the above three situations, you can still guarantee your own rights. Factors that affect the loan time:

1. After the bank releases the money, the borrower must repay it on time every month

Generally, if it is a personal credit loan, the loan can be released within one week . If it is a mortgage loan, it will take half a month. If it falls at the end of the year or the end of the month, it may take longer. Repay your loan on time and maintain a good credit record, which will increase the bank's loan speed.

2. The lender prepares the materials required to apply for a loan

For example, personal income certificate, employment certificate, personal credit record, etc. If it is a mortgage loan, you need to provide the real estate certificate and land use certificate if you use real estate as collateral. If it is a car mortgage loan, you need to get a driving license. If these information are fully prepared, it will help increase the speed of loan disbursement.

3. The bank will review the authenticity of the materials

If the information in the materials is true and reliable, it will facilitate the approval of the review and help the funds arrive as soon as possible. After the review, the borrower's qualifications will also be evaluated. Borrowers who meet the loan conditions will be contacted to sign a loan contract as soon as possible, and then the loan will be arranged.