It takes 10-30 days to buy a house loan. Under normal circumstances, you can receive a reply from the bank within three days after submitting the application for housing loan; It takes about ten working days for the bank to submit and handle the real estate mortgage registration procedures; After the trading center issues other warrants, the bank will lend money within three working days; So it usually takes two weeks to a month from the submission of materials to the loan. For details, please contact the handling outlet or loan account manager for confirmation.

legal ground

Article 25 of the general principles of loans

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.

Article 30

The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.

Article 33 of the Measures for the Administration of Urban Real Estate Mortgage

The registration authority shall examine the application of the applicant. If the ownership is clear and the certification materials are complete, it shall decide whether to register within 7 days from the date of accepting the registration. If it is not registered, it shall notify the applicant in writing.

Article 34

If the real estate obtained in accordance with the law is mortgaged, the registration authority shall record his rights in the original house ownership certificate, and the mortgagor shall accept it. And issue the house ownership certificate to the mortgagee.