If you want to buy a new house, you need to apply for a mortgage. If you have already applied for a house with a pre-sale permit, you can apply directly, and the bank will check the credit information. If there is no problem, you will get a message three days later, asking for documents and certificates as required, signing loan contracts and other documents required by banks.
(2) After the bank has collected all the information, it needs internal approval to handle mortgage registration and other procedures, which takes about 10 days. After issuing other warrants, the bank will pay within 3 days.
(3) Apply for commercial loans at the time of purchase. For commercial loans, it takes two weeks from the time the lender submits the information to the time of lending. Buying a house with provident fund loans involves provident fund and banking institutions, and the time will be slower, which may take 1 to 2 months.