Under normal circumstances, the mortgage loan will be approved in about a month. However, if it is applied for at the end of the year, it will coincide with the bank's year-end settlement and financial constraints, so the approval speed may be slower and take more time. It will take a long time, and it may take about 2 to 3 months. Many mortgages are only approved after a year.

Everyone also needs to note that not only will the approval process for housing loans at the end of the year be slower, but the loan disbursement may also be delayed, and sometimes there will be a "waiting for loan" phenomenon.

If the customer is applying for a commercial personal housing loan, it may be slightly faster; but if the customer is applying for a personal housing provident fund loan, the procedures and processes will be more complicated than commercial personal housing loans. So it takes more time.

However, the bank will notify the customer immediately after the mortgage approval result comes out, so everyone just needs to wait patiently and pay careful attention to the message notification sent by the bank. If there is still no progress after three months, it is recommended to call the bank to inquire about the specific situation.

Advantages of buying a house at the end of the year

1. Developers rush into the ranking of real estate companies at the end of the year, so the discounts at the end of the year are very strong

First, for most developers The most important thing every year is the annual financial statements. Therefore, beautiful annual report data means that the stock market will be booming in the coming year, and it is a good start. Developers make money on the one hand by selling houses, and on the other hand by rising stock prices, so developers will naturally choose to sprint for performance at the end of the year.

Second, this ranking reflects the strength and popularity of the developer and will also affect the speed at which the government obtains land approval for the developer. This is the second reason for developers to rush into performance at the end of the year.

So as the end of the year approaches, developers will launch various promotional activities. For example, many developers will offer discounts, release special-priced rooms, reduce contract signing ratios, extend payment cycles, etc.

According to past house price trends, house prices will rise by an average of 5% after the year, and some may even rise by more than 10%. The main reason is the mentality of home buyers who want to buy up rather than buy down. A large proportion of people looking at houses last year were on the sidelines. However, the demand for buying houses will surge in the coming year, and it will no longer be a buyer's market! Therefore, seizing the preferential opportunity before the year is crucial for us to reduce the purchase cost

2 , From the perspective of housing supply, there is more room to choose from when buying a house before the end of the year

In addition, the houses will be launched at the end of the year, and the supply of new houses in the market will increase. If the developer wants to withdraw funds, the price can be negotiated The space also becomes larger. And after the New Year comes another new year. Generally, developers will not be in a hurry to launch new products, and there will be fewer choices. Therefore, the range of choices for your properties before the year will be wider. In addition, real estate companies will actively acquire land after the year, and land prices will push up housing prices. In addition, the demand for home purchases will be released after the year, and the demand in the market will increase, which will invisibly push up housing prices, and competition for home purchases will become greater.