When a bank applies for a mortgage loan when buying a house, the loan generally needs complete information and approval 1-2. Generally speaking, the weekly loan does not exceed 15 days. It depends on the efficiency of the bank. If it is not the end of the year, the loan will be faster. It takes 15 working days for individuals to apply for provident fund loans and 10 working days for mortgage loans; The general portfolio loan is from 15 working days to 1 month; The loan approval time for general commercial loans is about face-to-face signing, and it takes about 5-7 working days for all documents to be complete. If the time is too long, you'd better go to the bank for consultation. The bank will tell you what is wrong with the bank. In addition to 10 working days, China Agricultural Bank also needs to approve commercial loans, and the provident fund management center also needs to approve provident fund loans.

Portfolio loans should first pass the preliminary examination of banks and provident fund management centers. After passing the preliminary examination, when the borrower goes to the bank to handle other provident fund loan procedures, he should fill in the application form for commercial loan and go through relevant procedures as required by the bank. After the loan is approved, the bank shall also transfer it to the seller's account. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but the interest rates are different.

When applying for a portfolio loan, the following information should be provided: the purchase contract, the copy of the developer's sales license, the ID card and the housing savings card (the husband and wife must also bring a marriage certificate or other proof of the relationship between husband and wife in the housing provident fund loan). The application process of China Agricultural Bank's portfolio loan is as follows: it takes about 15 working days from application to lending. It takes about 20 working days to buy a housing loan. Generally speaking, it takes 10- 15 working days for China Agricultural Bank to approve housing loans. Generally speaking, as long as the lender has applied for the mortgage loan and the information is ready, it usually takes only one or two days after the approval of the bank, which generally does not exceed 15 days, depending on the efficiency of the bank. If it is not the end of the year, the loan will be faster.

The credit review department conducts the review. After receiving the materials submitted by the institution, the credit review department will review them according to the relevant regulations of the bank. If there are any problems or omissions, the operating agency shall be required to supplement the materials. Do not meet the access requirements, the materials will be returned to the business institutions (generally not handled, submitted for self-examination). After the review is completed, the reviewer will issue a review opinion and submit it to the person in charge of the review department for review. The fastest day (I experienced it personally, arriving in the morning and coming out in the afternoon) and the slowest nearly two months (mainly waiting for review and supplementary materials).