It usually takes 40-50 working days to release the loan.

The basic process of mortgage loans is as follows:

On-site viewing:

Loan officers, intermediaries, appraisers, buyers and sellers go to the house where you are applying for a mortgage loan On-site inspection of the house;

Property rights verification;

The property owner and the person with the most legal authority (seller) bring the original ID card and the original real estate certificate to the housing management bureau to submit their identity for verification Please verify the original certificate and the original house copy, and go through relevant procedures;

Sign the contract:

The bank carefully checks and verifies the original information of the customer, and identifies the authenticity of all signatories. Supervise the customer's signature, collect the original real estate certificate and deposit (the specific amount is determined by the buyer and seller), copy the information, and remind both parties to open an account with the bank;

Fill in the contract:

The bank organizes the information Fill out the contract based on the relevant information provided by the customer;

Payment obligation:

After passing the pre-examination of charging fees, the bank will notify the customer to pay;

Transfer of property rights:< /p>

The buyer and seller go through the property transfer procedures with the help of the Housing Authority; the lender prepares relevant materials and goes to the bank to handle the mortgage procedures;

The bank lends money.