After the mortgage of the real estate license, each bank will lend money for 1-3 months due to different bank loan quotas. If the bank loan quotas are tight, the lending time will be longer. The length of time is determined by the bank, and there is no uniform time limit.

Extended data:

The mortgage loan process of CCB's real estate license is as follows:

First, take the real estate license to the district and county real estate bureau where the property right house is located to ask whether the property is overdue.

2. If you get a clear answer that you can handle, please bring the Property Ownership Certificate and relevant personal data to the CCB Personal Comprehensive Fund.

Three, CCB designated real estate appraisal institutions to evaluate the applicant's own property, and submit the real estate assessment fee.

Four, CCB to assist the applicant to handle the formalities of real estate insurance and the corresponding loan approval procedures, the loan amount is not higher than 70% of the assessed value, and has approved the issuance of loan contracts and mortgage contracts.

V. This contract shall be registered with the county real estate bureau, and the agency fee shall be borne by the borrower.

Six, into the borrower's personal savings account.

The mortgage loan of CCB real estate license refers to the business that citizens apply for loan mortgage with their real estate license to CCB and complete relevant materials when handling CCB. The mortgage loan handling process of CCB real estate license is mainly the above six points. It should be noted that it takes certain procedures to handle the mortgage loan of CCB's real estate license. The loan interest rate that CCB needs to pay varies with the mortgage period of real estate license.

Shop around when choosing a lending institution: At present, almost all lending institutions have loans, but the loan requirements of different institutions are different, so it is best to shop around when choosing a lending institution.

Two. How long can CCB lend money after mortgage?

Question 1: How long does it usually take for CCB to lend money? Generally, CCB loans are released in 8~ 13 days.

Generally, it takes 4-5 days to prepare the documents for approval, and it takes 2-5 days to get his right certificate after approval (the time of housing management bureaus varies from place to place, depending on local conditions). After getting other rights, it will be sent to the accountant, and the loan will generally be released after 2-3 days.

Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. It is a form of bank lending, and the collateral usually includes securities, China bonds, various stocks, real estate, bills of lading, warehouse receipts or other documents that prove the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.

Question 2: How long does the mortgage loan of China Construction Bank take? The mortgage loan takes 1-2 months.

Because the construction Committee has to make an appointment in advance,

The mortgage loan process is as follows:

1. application

The borrower applies for a loan from the bank and prepares the loan information as required.

Step 2 Submit information

Submit loan information to the bank, including my valid ID card, income certificate, work certificate, real estate license, etc.

3. Housing assessment

The appraisal company designated by the bank conducts on-the-spot investigation and appraisal of the mortgaged house.

4. Submit the evaluation report

Appraisal companies submit appraisal reports to banks.

5. Sign a loan contract

If the borrower's qualification and mortgaged house meet the loan requirements, both parties shall sign a loan contract.

6. Bank audit

The bank will review the borrower according to the information submitted by the borrower and the borrower's own qualifications, and will make a verification call for review.

7. The next batch of loan letters from the bank

After approval, the bank will issue a loan letter to confirm that the loan can be made.

8. Mortgage registration

The bank shall go through the mortgage registration formalities at the Housing Authority with the property right certificate and loan contract.

9. About branch lines

The branch company applied to the head office for quota.

10, bank loan

After all the formalities are completed, the bank can issue loans to borrowers.

Loan process:

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).

Question 3: I want to know how long it will take for CCB to lend money after the mortgage is completed. Generally, 2 months, especially 3 months is enough. Do not wait any longer. Contact the person who handles the bank loan to find out why. If there is a problem with the procedure or the information you provide is incomplete, make it up quickly, and deal with other problems quickly.

If it really doesn't work, change banks. Now banks are all uncles.

Question 4: The mortgage of real estate license has been completed. How long will it take for China Construction Bank to release its mortgage loan?

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank face to face;

4. Bank filing and approval;

5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank directly transfers the loan to the account agreed in the contract;

10. The borrower repays the loan principal and interest according to the loan contract.

Question 5: CCB said that the loan can be granted after approval, and now it will take a long time to ask for advice. This time is not guaranteed. If it is approved this month, the loan will be given to you next month. Some people waited nearly a year to get a loan. This has to be queued, and it is basically a strong repayment ability, that is, the first loan, with high scores. . .

I hope I can help you, thank you!

Question 6: How long does it take CCB to handle the mortgage? If you just apply, you need to prepare 1-2 months.

Generally, bank approval will be slower. First, you need to queue up. Second, you need to verify your materials, which takes time.

Question 7: When can China Construction Bank submit the materials and apply for the second-hand housing mortgage loan on 1 day? The buyer and the seller will take all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

Day 2-7 Appraisal According to the agreed time, the real estate appraisal agency will go to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee. {What is normal in this step can be omitted, and no evaluation fee is required. }

On 8th-10, the bank approved the qualification of the loan applicant. After meeting the requirements, the bank will verify the loan amount and term according to the housing appraisal price and the lender's qualification. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days.

1 1-33 days to pay the down payment. After the transfer is passed, the buyer will pay the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

34-35 days for mortgage registration and insurance procedures. After the bank loan buyer gets the real estate license, he will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule as agreed in the contract.

Question 8: How long will it take to mortgage a house with a provident fund loan from China Construction Bank? Generally, the loan will be released after two weeks. This ordinary bank does not inform. Although he said on the surface that he would wait for a phone call, he didn't inform him.

In fact, you don't have to worry at this time. One day late, one day late to pay the mortgage. The salesman can't force you anyway.

After two weeks, I called the provident fund management center. I called two weeks later to ask, in fact, I had already come down, but they didn't inform me. good luck

Question 9: How long it takes CCB to lend money after the mortgage certificate is issued is related to the efficiency of the local housing management bureau and the land bureau. If your land is allocated, you can mortgage the land in the Land Bureau first, and then mortgage the property in the Housing Authority. The above-mentioned administrative department generally promises to complete it within 7 working days, so that the loan can be released in the shortest 15 days. If your land certificate is for sale, the time will be shorter. If you have a relationship with the Housing Authority, you can take out his warrant on the same day and lend money in three days at the earliest.

Question 10: How soon will the bank inform the lender that China Merchants Bank will lend money after the mortgage of the property is completed? If the complete application materials are submitted, the approval time will be about 15 working days, because each customer's situation will be different because it involves evaluation and mortgage registration. Please contact the handling branch or loan account manager directly to confirm the specific loan release time, cancellation and other related information.

Tips: If you don't receive a reply call for the loan application submitted online, you can directly call 95555-3 Empty Bank -2 Empty Loan for manual consultation!

3. How long can the second-hand housing loan of CCB be mortgaged?

According to the "Ten Articles" of the State Council on April 20 10, the loan interest rate of the second-hand housing mortgage loan of CCB is that the down payment ratio of the loan is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate. Loan process: (1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; (2) Eligible buyers apply for loans from loan banks and provide relevant certification materials; ⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; (4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; 5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; [6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities; (7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; (8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; (9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee. Second-home loan handling fee: 1, down payment According to bank regulations, borrowers who apply for second-home loans need to pay a down payment of not less than 60% of the purchased house price, and some areas require that the down payment ratio of second-home loans be not less than 70%. 2. Interest The interest on the second home loan is calculated according to the borrower's loan amount, loan term, loan interest rate and repayment method. Among them, the loan interest rate directly affects the amount of mortgage interest expenditure. 3. Mortgage registration fee Customers who apply for a second home loan must agree to mortgage the houses purchased under their names. When going through the mortgage registration formalities, the borrower needs to pay a certain mortgage registration fee. 4. Notary fee When handling the second home loan, you still need to pay the notary fee. When applying for a bank housing loan, the bank will entrust a notary department to certify the borrower's qualifications, and the borrower needs to pay a notary fee.

4. How long does it take for CCB to lend a mortgage?

It usually takes 22-25 working days for CCB to lend money. Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract, and issue a loan consent notice or a mortgage loan commitment letter to the house buyer after confirming that the house buyer meets the mortgage loan conditions through examination;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.