The housing loan of China Construction Bank needs to meet the following conditions:

1. The applicant is a natural person with full capacity for civil conduct and has a fixed residence and valid residence in China.

2. The applicant has a stable and legal job and occupation, and can repay the loan principal and interest on time.

3. The applicant can provide effective collateral recognized by China Construction Bank.

4. The applicant can provide a valid purchase contract or agreement.

5. Other necessary conditions required by CCB.

How long does it usually take to approve a house loan at CCB?

Hello! The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you. After the approval, the bank will not lend money immediately and need to sign a contract with you; After the contract is signed, CCB will issue loans according to the contract when conditions are met.

How long does it take for CCB's mortgage to be approved?

How long does it take for CCB's mortgage to be approved?

The loan from CCB will be approved in about 15 working days, but it also depends on the situation. If the loan policy changes, the approval time may be extended to one month. If the loan approval time is too long, you can call the bank customer service phone for consultation, or you can go directly to the bank for consultation. If the information is incomplete, it should be supplemented in time.

What should I pay attention to in bank loans?

1. Pay attention to the loan qualification.

When you take out a loan, you should know whether you are qualified for the loan or not, and whether you are qualified for buying a house. If you don't have the qualification to buy a house, the bank won't agree to the loan. In some cities, the purchase of second suites is restricted, and foreign accounts are not supported to buy houses. Different cities have different conditions for buying houses.

Step 2 prepare information in advance

You need to provide a lot of materials to buy a house with a loan. Personal loans and * * * materials different from those needed for loans, such as ID cards, household registration books, income certificates, etc. In addition, we must also prepare the purchase contract. Some banks are strict and may need to provide academic credentials.

3. Pay attention to the loan method

There are many kinds of bank loans, and the interest rate of provident fund loans is the highest, which is also a way that most people choose. However, there are requirements for provident fund loans, and loans can only be made after a certain number of years have been paid. If you choose a commercial loan, the interest rate is higher, and you can also use a portfolio loan. You can choose the loan method according to your own needs.

4. Apply for a mortgage and do what you can.

When applying for a bank loan, you must make a loan according to your own economic ability, because if the loan term is the same, the higher the loan amount, the greater the repayment amount, which will increase the pressure on the lender.

Bian Xiao concluded: The above is about how long it will take for CCB to approve the mortgage. I believe everyone understands! It takes some time to approve bank loans, and the approval time of different banks is different. Therefore, in order not to delay the loan to buy a house, it is recommended to prepare the loan in advance.

How to handle housing mortgage loan in China Construction Bank?

Handling housing mortgage loan in China Construction Bank, the relevant contents are as follows:

I. Information of the Lender:

1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

2. Have permanent residence and fixed residence;

3. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

4. Willing and able to provide real estate mortgage approved by the lender;

5. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.

Second, the conditions of mortgaged property:

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years;

3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

4. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.

Three. Materials to be submitted by the Lender:

1, ID card, household registration book; Personal income certificate (stamped with the official seal of the unit);

2. Copy of the business license of the unit (with official seal);

3. Marriage certificate; Identity card and household registration book of the borrower's spouse;

4. The original and photocopy of the house ownership certificate and the original purchase agreement;

5. The notarial certificate of the house owner and the house owner agreeing to mortgage and the certificate of loan use.

Fourth, the handling process:

1, go to the bank to find out the relevant information and bring all the above information;

2. Handling loan contracts, insurance agency by banks, and notarization of property mortgage registration;

3. The borrower and the lender must be present and sign the mortgage loan contract. Please read every clause in the contract carefully before signing the contract, and don't leave out any details;

4. Accept the bank's review of you and determine the loan amount;

5. For bank loans, the borrower pays off the principal and interest after monthly repayment and cancellation of registration.

What are the housing loan conditions of CCB?

Let me answer that. Personal housing loan is a loan granted by China Construction Bank to natural persons who purchase, build and overhaul various types of housing with credit funds in Chinese mainland cities and towns. Also known as "personal housing mortgage loan".

1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.

2. Loan targets: citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in the Mainland, and foreigners with full capacity for civil conduct with the right of abode in the Mainland.

3. Loan terms:

The borrower must meet the following conditions:

(1) has legal identity.

(2) having stable economic income, good credit and the ability to repay the principal and interest of the loan.

(3) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

(4) Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

(5) There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.

(6) Other conditions stipulated by the lending bank.

4. Loan amount: the maximum amount is 80% of the total price or evaluation value (whichever is lower) of the house purchased (built or overhauled);

5. Loan term: Generally, the longest loan term does not exceed 30 years.

6. Loan interest rate: According to China People's Bank and China Bank.

How long does it take for China Construction Bank to approve the housing loan?

Under normal circumstances, it takes 15-20 working days to approve the housing loan of CCB. Mortgage approval process: after the approver exceeds the approval authority, it will be submitted to the credit approval authority of the superior bank for approval. After investigation, the situation was clearly understood in the Approval Form of Personal Housing Loan of China Construction Bank, and the review opinions were filled in. The loan approval form and approval materials were submitted to the person in charge of the credit department, who filled in the approval opinions on the Approval Form and submitted them to the governor in charge for approval.

Extended data

Verb (short for verb) handler

1. loan application: the borrower and the * * * person submit the loan application to the provident fund center with the required information;

2. Loan acceptance: the center will review the loan information within 15 working days, interview the borrower and confirm the loan;

3. Loan confirmation: the borrower and the authorized person of * * * sign the loan contract at the center, and the center issues the Notice of Transfer;

4. Pre-registration of mortgage: the borrower entrusts the provident fund center to handle the pre-registration of house mortgage;

5. Loan guarantee: the borrower and the borrower sign a loan guarantee contract;

6. Loan issuance: The borrower shall go through the loan transfer formalities at the center and the bank within the time specified in the transfer notice;

7. Loan repayment: The borrower shall deposit the loan principal and interest into the repayment account opened by the borrower in the entrusted bank on time before the 20th of each month from the month following the loan issuance;

8. Mortgage change: The borrower shall, within 3 months from the delivery date of the house agreed in the house purchase contract, handle the registration of house ownership certificate and mortgage change, and hand over the house ownership certificate to the seller, who will transfer it to the provident fund center.