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How long does it take for a portfolio loan to be released?
1. How long does it take for the portfolio loan to be issued?

Generally speaking, when applying for a mortgage loan in a bank, some banks can lend money within 20 days, such as Chengdu Industrial and Commercial Bank and HSBC. There are also some banks that need about 30 days to lend money. Take Chengdu as an example. China Bank, Agricultural Bank and China Construction Bank are the main banks that need 30-day mortgage loan in Chengdu. Other banks are slower to lend money, which takes 35 or even 40 days. For example, it takes 35 days for Minsheng Bank, Postal Savings Bank, China CITIC Bank and Bank of Communications to lend money; It takes 40 days for Chengdu Bank to lend money; Everbright Bank's mortgage lending time is relatively slow, taking 45 days. After applying for a successful mortgage loan, the borrower must remember to repay the loan in full and on time every month, otherwise the overdue will have a serious impact on the personal credit record.

2. How long can the portfolio loan in Beijing be released at present?

Generally speaking, the processing time of portfolio loan is the longest. Commercial loans and provident fund loans need to be handled at the same time.

Some commercial banks need to see the mortgage certificate before they can lend money. In the process of handling provident fund loans, the purchased houses need to be evaluated before they can go to the Construction Committee for online signing. The whole process basically takes about 3-6 months, which takes a long time and requires patience.

3. How long does it take for the portfolio loan to be released?

Portfolio loans can generally be released in about a month.

4. How long can the portfolio loan be released?

Generally, it takes about 15 days for portfolio loans to be released. Apply for a portfolio loan, and the preliminary procedures are the same as those for provident fund loans; After preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank; After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time to complete the loan. In this way, the total time spent is about 15 days. : Process of applying for portfolio loan 1. Apply for a loan at a loan bank. If buyers need to apply for portfolio loans, then first of all, buyers need to bring their own housing sales contracts and copies of commercial housing sales licenses issued by developers. In addition, he needs to bring his ID card, housing provident fund savings magnetic card and seal to the real estate credit department of CCB in all districts and counties to apply for housing provident fund loans. However, everyone needs to pay attention here. When both husband and wife apply for housing provident fund loans, they must also bring a marriage certificate or other proof of husband-wife relationship, and fill out the Application Form for Individual Housing Provident Fund Loans (Portfolio Loans). 2. Bank Audit When the lender submits a loan application at the bank, the bank will audit the loan information submitted by the lender. After reviewing the information of the buyers, it will judge whether the buyers meet the loan conditions, calculate the loan amount and determine the loan term. 3. Sign a loan contract with the loan bank. If the bank has approved the loan application submitted by the property buyer, the lender needs to sign a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee). 4. Go to the property right department to handle the loan guarantee procedures. Usually, if a property buyer wants to buy a house through a loan, he needs to guarantee the house he has purchased when handling the loan. Therefore, when handling the loan, the property buyer also needs to apply for registration at the property right department, that is, the real estate registration center. This is the mortgage registration procedure. 5. After the mortgage insurance formalities are completed by the property right department, the buyers still need to submit the materials for the property right certificate, together with the housing ownership certificate, mortgage certificate and other loan materials, and go to the loan bank to go through the formalities in home insurance. 6. Bank transfer Generally, after the buyer completes the previous procedures, the buyer can go to the loan bank to go through the payment procedures according to the time agreed with the bank. Generally speaking, the money will not go through the buyer's hand, and the loan bank will directly transfer the money to the seller's unit.