Loan preparation materials: Lender's (husband and wife's) ID card, household registration book, marriage certificate, income certificate, bank account, property right certificate and land certificate. If there is no problem with the lender's (husband and wife's) credit information, the bank will accept the loan.
After the information is submitted to the bank, the bank's risk control will call for a return visit, usually the company's landline or personal phone.
Approval is usually completed within 3 working days after telephone call back. After the approval, the bank will call you to tell you when to register the mortgage with the Housing Authority. After the mortgage is completed, the bank will issue the loan to your receipt card within 2 working days.
After the mortgage loan is approved, how long does it take for the lending bank to handle the mortgage loan or mortgage loan? The cycle is generally one month. If there are many bank lenders, the application time may be delayed to one and a half months or even two months.
Loan preparation materials: Lender's (husband and wife's) ID card, household registration book, marriage certificate, income certificate, bank account, property right certificate and land certificate. If there is no problem with the lender's (husband and wife's) credit information, the bank will accept the loan. After the information is submitted to the bank, the bank's risk control will call for a return visit, usually the company's landline or personal phone.
Approval is usually completed within 3 working days after telephone call back. After the approval, the bank will call you to tell you when to register the mortgage with the Housing Authority. After the mortgage is completed, the bank will issue the loan to your receipt card within 2 working days.
Lending: After the mortgage/pledge contract or guarantee contract comes into effect, Bank of China will transfer the loan to the special account of the developer (seller) or individual designated by you in one lump sum or several times according to the loan contract, which will be supervised and used by Bank of China.
: loan process:
(1) Select an attribute
If property buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn in advertisements or through the introduction of sales staff that some projects can apply for mortgage loans, they should further confirm whether the real estate developed and built by developers has obtained the support of banks to ensure the smooth acquisition of mortgage loans.
(2) Apply for mortgage loan
After confirming that the property you choose has obtained mortgage support from the bank, the buyer should understand the bank's regulations on obtaining mortgage support from the bank or the law firm designated by the bank, prepare relevant legal documents, and fill out the mortgage loan application.
③ Sign the purchase contract.
After receiving the relevant legal documents of the mortgage application submitted by the buyer, the bank will issue a loan consent notice or a mortgage loan commitment letter to the buyer after confirming that the buyer meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) signing a house mortgage contract
After signing the house purchase contract and obtaining the payment voucher, the buyers sign the Building Mortgage Loan Contract with the developer and the bank with the relevant legal documents stipulated by the bank, so as to clarify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) Mortgage registration and insurance.
Property buyers, developers and banks hold building mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the auction house is delivered, the mortgage registration shall be changed after completion. Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for life and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. Before the loan principal and interest are paid off, the insurance policy is handed over to the bank.
(6) Open a special repayment account
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract.
Buying a house loan Baidu Encyclopedia
It usually takes about 25 working days.
The process of mortgage loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will be issued with a loan consent notice or a mortgage loan commitment letter;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the rights and obligations such as the amount, term, interest rate and repayment method of mortgage loan;
7. Apply for mortgage registration and insurance. Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for life and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.
After the first trial is passed, how long can the loan be released? If you apply for a loan through China Merchants Bank, the situation of each customer will be different. Please contact the handling outlets directly for confirmation.
Please call the customer service hotline of China Merchants Bank first, select 3 customer service -3-3-8, and enter the city where artificial service provides loans to inquire about the phone number of the handling bank.
If a bank applies for a loan, it is recommended to contact the account manager of the lending bank for confirmation, and it is not excluded that there are differences between banks in different places.
About how long does it take for a small loan?
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. After approval, the loan was successfully issued.