How long can the bank loan for buying a house be approved?
Generally, it takes two to three months for bank loans to be approved, mainly because of whether the information of major lenders is complete and the approval time of banks. In some cases, the information is complete, and it will be approved in 2-3 weeks. However, it is also possible that there are many reasons for not notifying, and you can call the relevant bank to ask.
What are the audit links of bank lending?
1, view the property values.
When making a loan, banks need to estimate the loan amount according to the geographical location, type and age of the house. Appraisal is not only the decision of buyers and sellers, but also the appraisal of professional appraisal companies.
2. Review the borrower's ability
After receiving the applicant's information, the bank will review the applicant's family status, income and credit information, and the lender's age and physical condition are also the conditions for review.
3. Second-hand houses need guarantee from guarantee companies.
If it is a second-hand housing loan, it must be guaranteed by a guarantee company. A formal guarantee company can improve the success rate of the loan.
Summarize the common problems of bank mortgage.
1. You can only apply for a mortgage at a designated bank.
As for the mortgage, there is no specific stipulation about which one should sail. Generally, it is the cooperation of developers. Of course, buyers can also choose their own banks. However, since the developer has mortgaged the land to the partner, it will be easier for buyers to apply for loans from the bank.
2. Can I get a loan with a credit card overdue record?
If the credit card is overdue, it means that the credit is not good and the loan will generally be rejected. If it is not serious, it is necessary to decide whether to lend according to the overdue record.
Editor's summary: The above is an introduction about how long it takes for a bank loan to buy a house. From the above, we know that the loan can be granted within two to three months. Don't worry too much when applying for a loan It takes some time for the bank to approve. You can learn more about the loan process and related procedures, almost all of which are approved according to regulations.