The mortgage you apply for usually comes down within a month. The process of applying for a mortgage is that the applicant pays the down payment according to the agreed proportion and signs a house purchase contract with the developer. Applicants apply for a loan, fill in the loan application form and submit the bank application materials at the same time.

Bank acceptance, investigation and approval. The approval process includes: the bank investigates and verifies relevant information and decides to issue it.

After approval, the bank signs a loan contract with the borrower and goes through the formalities of filing and mortgage. When a bank issues a loan, the applicant will repay it on time according to the prescribed repayment method.

It depends on whether the bank's quota is allowed. Now that the bank has a lot of money, there should be no shortage of quotas. It should be about 6 weeks after the house is closed!

The interest rates of bank loans mortgaged by real estate licenses of different banks are different. The People's Bank of China sets the benchmark interest rate and implements different floating ranges for banks. State-owned commercial banks, urban credit cooperatives and rural credit cooperatives are all different.

The loan interest rate rises by a certain percentage according to the benchmark interest rate of the central bank. The loan term is generally not more than 5 years, and may be extended to 10 year under special circumstances. Generally, there are two repayment methods: equal principal and interest and average principal. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation.

How long can a mortgage loan 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 apply for a mortgage with a real estate license?

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.

This is the end of the introduction about how long it will take Takuwa to apply for a real estate license loan. I wonder if you have found the information you need?