First, the purchase loan process
1, choose the house you want to buy; 2. Submit the housing loan application and related materials to the bank; 3. Bank audit materials; 4. After the approval of the bank, sign a house purchase contract with the developer; 5. Sign a housing loan contract with the bank; 6. The Housing Authority shall record the loan situation; 7. The bank will give the loan to the developer, and the buyers will start to pay back the monthly payment.
Second, how long does it take to buy a house and get a loan?
1. When buying a new house, you need to apply for a loan. Since there will be a pre-sale certificate for the real estate at this time, buyers only need to apply directly to the bank. Bank staff will review the information of buyers and inquire about the credit information of buyers. As long as there is no problem, they will reply to the buyer in about 3 days. At this time, buyers can submit ID cards, proof of income, down payment vouchers and purchase contracts.
2. After the lender submits all the materials, the bank conducts internal examination and approval, and goes through the mortgage formalities with the Housing Authority. It usually takes about 65,438+00 working days here. After other warrants are issued, the developer will be given money within 3 working days.
3. It should be noted here that if you apply for a commercial loan, it will take about 15 ~ 30 days from the date when the materials are submitted to the date when the bank issues the loan. If the provident fund loan is used, there will be more institutions involved and the audit process will be more troublesome, so the time will be longer, about 30 to 60 days.
I'll introduce the process of buying a house and lending, and how long it will take to buy a house and lending. Are you clear? It's best to have a certain understanding of the loan process, otherwise you will spend more time on it because you don't know the loan process.