Generally speaking, it takes a month from the bank to accept your personal data to lend money. First, the branch that mortgaged you will conduct a preliminary review, and then it will be submitted to the head office for final review. During this period, your house purchase contract will be filed with the real estate bureau. After the contract is filed, it will be registered in advance by the real estate bureau, and then the head office will approve the funds. Then it will go to the mortgage department, and it will take 3-5 days to lend money.

Generally speaking, the bank will confirm the income certificate within one week after you submit it. Generally, if you arrange it, the bank won't keep asking questions to the end, and it will pass easily. Besides, if you provide more proof of other assets or deposit money in the bank, everything will be fine.

Real estate license handling process and related matters

One. Information to be provided

1, original house purchase and sales contract and original supplementary contract.

2. Original unified invoice for commercial housing sales.

3, housing field surveying and mapping questionnaire and the original plan. (If the house surveying and mapping report is in the old format, you need to issue the completion acceptance form and fill in the application form for real estate registration in Lishui. The new format only needs to provide the field survey questionnaire and the original floor plan of the house. )

4. Certificate of tax payment (deed tax payment certificate)

Participants in mortgage loans include commercial banks that provide credit funds, buyers who eventually buy real estate and real estate owners (including developers/second-hand housing owners). When applying for loans, it is also necessary to evaluate the participation of companies and mortgage guarantee companies.