How do you know if the mortgage has been approved?
1. Some banks, such as ICBC, will issue loan contracts with official seals after approval, and getting this contract means passing.
2. Other banks, such as Agricultural Bank, require the contract to be signed together with the property ownership certificate of the transfer. In this case, both the buyer and the seller can only go to the bank loan center with their ID cards to check the approval results of the bank.
How long does it take to approve the mortgage?
Personal mortgage loans, different banks or different housing loans, the lending time is different. Mortgage loan lending time is mainly divided into:
1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to apply for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.
2. Commercial housing mortgage loan is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.
3. If you want the bank to lend money quickly, you can lend money with a receipt and lend money within 3 working days after the transfer. 400 yuan guarantee fee is required. It usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license.
Summary: How to know that there is no relevant content in the mortgage approval is introduced here. This depends on the bank, and their approval is different from bank to bank. I hope the above introduction will be helpful to everyone.