First, after the housing loan application materials are submitted to the bank, the specific lending time is determined by many factors.
Second, the time for individuals to apply for provident fund loans, loan approval needs 10 working days. Borrowers applying for housing provident fund loans need to submit a written application to the housing provident fund management center, fill in the housing provident fund loan application form and provide relevant information truthfully.
Three, the housing provident fund management center is responsible for the borrower qualification, guarantor qualification, loan amount and loan term agreement, the borrower and the center signed the relevant contract or agreement, and in accordance with the provisions of the bank for insurance. After the loan procedures are completed, the municipal housing provident fund management center will issue a loan approval notice to the bank, and the bank will handle the loan issuance procedures after receiving the loan notice. Compared with ordinary commercial loans, the procedures of provident fund loans are relatively complicated. First of all, the applicant must meet the conditions for applying for a loan, and the relevant information is issued by the unit. The time for making relevant inquiries and applying for loans mainly depends on the lender's own grasp.
4. To handle the new housing provident fund loan, the developer needs to handle the filing procedures of the corresponding loan property in the real estate bureau and the provident fund center. Only after successful filing can you apply for provident fund loans. Unrecorded properties cannot apply for provident fund loans. It takes 15 working days for individuals to apply for provident fund loans, and 10 for loan approval and mortgage.
Second, how long can the mortgage be done?
It takes about 15 days for the general mortgage to be approved by the bank. In case of policy change, the time can be extended to 1 month. For the approval of bank loans, banks must first pre-examine credit information. If there is no problem with credit reporting, you can go to the bank to submit personal information. Of course, going to the bank to submit information means that the bank will look up all the information from the background data, including overdue, credit card arrears, loans and other information. If there is no problem with the data and information, the bank can submit it to the next higher level for approval. If there is a problem, then you need to deal with related problems. Of course, basically, except that loans or credit cards can be repaid in advance to improve the approval rate, there is no way to get rid of other bad information. Generally speaking, a developer or intermediary is responsible for handling the mortgage or coordination, and only needs to hand in the materials in time within the time limit. At the same time, the second-hand house also needs the cooperation of the seller, because it also involves face-to-face contract signing. When the loan is approved, it is a loan. If it is a new house, the process will not be too much. Just sign a loan contract and other loans, usually within one month. Because developers will also be anxious to pay back the money, especially those mortgages that are handled centrally, developers will also urge banks to coordinate early lending. If you buy a second-hand house, it will be after the two parties sign the purchase contract and the bank's valuation is approved. You need to go through the transfer formalities as soon as possible. After the property buyers get the property, they need to take the real estate license to the bank for mortgage as soon as possible. After the applicant provides the loan application form and loan materials to the bank account manager, the bank account manager needs to make a preliminary review of your materials to see if the materials you have prepared are complete. If not, you need to be prepared before applying. At the same time, determine the repayment method and loan interest rate, and sign a letter of authorization. Then, understand the credit status through personal credit investigation. Usually, those with serious bad personal credit information will directly refuse to lend, while those with slight overdue records will decide whether to pass according to the loan situation of various banks.
3. How long does it take to process the housing loan application materials after they are submitted to the bank?
If the application materials submitted by you are complete, it will take about 15 working days for our bank to approve the loan, because each customer's situation will be different because it involves evaluation, mortgage registration and other links; Please contact the handling branch or loan account manager directly to confirm the specific lending time, review status, processing progress, loan cancellation and other matters.