If the application materials submitted by you are complete, it will take about 15 working days for our bank to approve the loan, because each customer's situation will be different because it involves evaluation, mortgage registration and other links; Please contact the handling branch or loan account manager directly to confirm the specific lending time, review status, processing progress, loan cancellation and other matters.

Second, how many days can the pre-approval be approved?

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.

3. How long does mortgage pre-approval usually take?

If the loan approval of our bank takes about 15 working days, the situation of each customer will be different due to different links; Please contact the handling branch or loan account manager directly to confirm the specific lending time, review status, processing progress, loan cancellation and other matters.

4. How long does it take to approve the mortgage?

Mortgage loans generally need to be approved within three weeks. You can receive a reply from the bank within three days after submitting the mortgage application. It takes about ten working days for the bank to submit and handle the mortgage registration formalities. After the trading center issues other warrants, the bank will lend money within three working days. For details, please contact the handling outlet or loan account manager for confirmation. The legal basis is Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. Article 30 The lender shall issue the loan on schedule in accordance with the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages. "Measures for the Administration of Urban Real Estate Mortgage" Article 33 The registration authority shall examine the applicant's application. If the ownership is clear and the certification materials are complete, it shall decide whether to register within 7 days from the date of accepting the registration. If it is not registered, it shall notify the applicant in writing. Article 34 If the real estate obtained according to law is mortgaged, the registration institution shall record his other rights in the original Certificate of Real Estate Ownership, and the mortgagor shall take over. And issue the house ownership certificate to the mortgagee.