Generally, it takes about/kloc-0 to 3 months to handle a mortgage loan, and the process of handling a mortgage loan is more troublesome, because the amount of mortgage loan usually involves a large amount, and the lending institution takes a long time to review the house and the borrower, so it takes more time.

Problems needing attention in housing mortgage loan

1. Property value: the bank's appraisal of the property is not based on the market value (actual market price) of the property, but the designated appraisal company comprehensively evaluates the building area, orientation, floor, decoration degree, community facilities, traffic conditions and land price of the property through on-the-spot house inspection. According to this evaluation value (the evaluation agency will give a specific percentage), the bank will determine the loan amount according to the loan proportion.

2. Loan issuance: The bank allocates the loan funds to the corresponding recipients according to the purpose of the funds provided by the borrower. If the borrower buys a house, the bank will eventually release the loan funds to the seller's account;

If it is used for home decoration, the bank will issue the loan amount to the decoration company. Note: The bank will not distribute all the loan funds to the borrower's account.

3. Basis for granting loans: After the borrower has successfully passed the loan review, the bank will only grant loans within 1-3 working days after seeing the certificate of other rights when granting loans.

4. Most banks don't accept applications for mortgage consumer loans with the property of affordable housing. Banks have certain rules when handling loans. Therefore, when a borrower applies for a mortgage loan, he must first determine the nature and use of the property.