If the mortgage information of the application construction bank is fully prepared, it will generally be approved around 1 month.
If you want to apply for a mortgage loan from China Construction Bank, you need:
1, make the down payment to the developer as agreed, and then sign the contract.
2. After signing the contract, go to the bank to apply for a loan and fill in the information.
3. Waiting for review.
4. After approval, the bank signs a mortgage contract with the borrower and goes through relevant formalities.
5. After the loan is approved, just repay it on time.
Is the approval of CCB mortgage strict?
China Construction Bank is one of the four state-owned banks in China, and its approval of mortgage loans is very strict. Generally speaking, to apply for a mortgage loan from China Construction Bank, the following conditions must be met:
1. The applicant's personal credit record is good, and there is no bad record of credit card and loan default in the central bank's credit record, and there is no abnormal record in CCB;
2. Have a stable economic income, the ability to repay the loan principal and interest on time and a good willingness to repay;
3. The purchased house has complete five certificates and is located in a lot with large appreciation space;
4. The construction bank requires a proportion of self-raised funds to pay the down payment of the house;
5. Being able to provide effective guarantee recognized by CCB, or purchasing corresponding loan insurance.
More information about the strict approval of CCB mortgage? Go to: See more.
How long does it usually take for CCB's mortgage loan to be approved?
How long does it usually take for CCB's mortgage loan to be approved?
The loan from CCB will be approved in about 15 working days, but it also depends on the situation. If the loan policy changes, the approval time may be extended to one month. If the loan approval time is too long, you can call the bank's customer service phone for consultation, or you can go directly to the bank for consultation. If the information is incomplete, you should add it in time.
What should I pay attention to in bank loans?
1. Pay attention to the loan qualification.
When you take out a loan, you should know whether you are eligible for a loan, and whether you meet the conditions for buying a house. If you are not qualified to buy a house, the bank will not agree to the loan. In some cities, the purchase of second suites is restricted, and foreign accounts are not supported to buy houses. Different cities have different conditions for buying houses.
Step 2 prepare information in advance
You need to provide a lot of materials to buy a house with a loan. Personal loans and joint loans need different materials, such as identity cards, household registration books and income certificates, which are indispensable. In addition, it is necessary to prepare a house purchase contract. Some banks are very strict and may need to provide academic credentials.
3. Pay attention to the loan method
There are many kinds of bank loans, and the interest rate of provident fund loans is the highest, which is also a way that most people choose. However, provident fund loans are required, and you must pay a certain number of years of provident fund to get loans. If you choose a commercial loan, the interest rate is higher, and you can also use a portfolio loan. You can choose the loan method according to your own needs.
4. Apply for a mortgage and do what you can.
When applying for a bank loan, you must make a loan according to your own financial ability, because if the loan term is the same, the higher the loan amount, the greater the repayment amount, which will increase the pressure on the lender.
Bian Xiao: The above question is about how long it will take to approve the mortgage loan of CCB. I believe everyone understands it! It takes some time to approve bank loans, and different banks have different approval times. Therefore, in order not to delay the loan to buy a house, it is recommended to prepare the loan in advance.