1. Submit the application form, personal information and materials first, and wait for the approval of CCB Sub-branch.

2. After the approval of CCB Sub-branch, it shall be reported to the superior bank for approval. After the approval of the branch, it shall sign a loan contract with the applicant.

3. Then the borrower goes through the insurance and guarantee procedures. If you apply for a second-hand housing loan, you need to go through the transfer formalities at the Housing Authority.

4. The bank shall sign the loan contract after reviewing the materials submitted by the lender.

After the approval, the bank will lend the money to the borrower's account according to the contract.

How long does it take for CCB to issue second-hand housing loans?

After applying for a second-hand housing loan, CCB needs to go through many processes to lend money, which usually takes about 20 days. The specific process is as follows:

1. Need for buyers and sellers to apply for second-hand housing loan in China Construction Bank 1 day.

2. It takes 15 days for the bank to investigate the borrower's credit information and property rights, and then examine and approve.

3. After the approval, the buyer signs a loan contract with CCB, which takes 1 day.

4. It takes three days for the buyer and the seller to handle the house transfer formalities and the buyer to handle the house mortgage formalities after obtaining the real estate license.

5. After the mortgage formalities are completed, it takes 1 day for CCB to lend money.

How to get a loan for buying a second-hand house?

Loan process for buying a second-hand house: 1. For loan application, the customer fills in and submits the application form and application materials designated by CCB. 2. Pre-lending investigation and interview, interviews between banks and borrowers, pre-lending investigation, etc. 3. Loan approval: the bank approves the loan. 4. Sign the contract. After the customer's loan is approved, a loan contract is signed with CCB. 5. Loan issuance. CCB issues loans after meeting the requirements. 6. The customer repays the loan, and the customer repays the loan on time as agreed. 7. loan settlement.

How long does it take for CCB to approve second-hand housing loans?

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 the house ownership certificate and mortgage change, and hand over the house ownership certificate to the seller, who will hand it over to the provident fund center.

References:

China Construction Bank official website: Forward Housing Loan.