How long is the real estate license mortgage loan?
It usually takes 22-25 working days to lend money. Process of handling real estate mortgage loan: the borrower opens a current deposit account in the bank; Information required for preparing loans; Go to the designated institution of the bank to evaluate the real estate; The bank is in front; Bank application and approval.
Approve the next batch of loan letters; Go to the local construction Committee for mortgage registration, and the construction Committee will issue his right certificate; About the number of branches; Bank loans; Post-loan review of banks; The borrower repays the principal and interest.
How to handle real estate mortgage loan
1. According to the national laws and local policies, the normal mortgage loan for house purchase can only be handled if you are qualified to buy a house. In this procedure, basically you don't have to ask, because the developer has arranged it for you, as long as you know the interest rate and monthly repayment amount. Real estate mortgage loan is a good loan method, and the loan interest rate is generally the benchmark interest rate, so there is less pressure to repay the loan.
2. After getting the real estate license, I am still preparing the loan because of the funding gap. First of all, you should think of formal banks for loans. Although the procedures are a little more complicated, interest rates and legal risks are relatively low. But who has a problem with money? It is suggested to choose bank loans and mortgage loans through formal banks, which provide a lot of information and complicated procedures. As long as you are not discouraged, you can still succeed if you want to.
3. Seek help from urban or rural commercial banks. The threshold of several state-owned banks is relatively high, but there are always several local city commercial banks or rural credit cooperatives, and their threshold is relatively low. It's not that they don't have a strong sense of risk, but in this economic society, everyone is trying to make money, not to mention their greatest advantage is a first-class legal person. Maybe the interest rate will be higher. Under normal circumstances, the monthly interest rate will not exceed one point.
4. For private financial institutions, applying for housing mortgage loan is also a good business for them, and the risk is reduced, which can be said to be a steady profit. They rely on banks or trust funds and real estate mortgages, and their advantages and disadvantages are just the opposite of banks. It solved the policy problems of banks and gave them a channel to benefit. This kind of lending is also faster, because they have enough contacts and credit in the bank, but the interest is higher.
5. Unqualified loans from microfinance companies flood the Internet. Engage in usury in the name of providing funds. They are eager for housing loans, because they don't mind lending you money even if you don't have any guarantee. You must be careful of this situation. Maybe even if you pay on time, they will set obstacles for you to default.
The above text has already introduced to you how long it takes to mortgage the real estate license and how to handle the mortgage loan of the real estate license. In fact, the mortgage of real estate license does not take a long time. If the information is complete, your personal credit is good, and you have a good job, then the next payment will be quick. When handling real estate mortgage loan, we should know the relevant policies of the bank in advance and choose the right bank.