It takes about 20 working days to register a mortgage with the bank. The procedures are varied but not complicated.

It takes 4 working days for loan investigation, 5 working days for loan review and approval, 2 working days for loan contract signing, 7 working days for mortgage registration, and 2 working days for loan release after mortgage registration is completed, ** *About 20 working days.

Loan process:

1. The borrower applies and submits relevant information.

2. Conduct property evaluation, pre-loan investigation, and approval.

3. After approval, go through the mortgage registration procedures.

4. The loan is issued and the borrower repays the principal and interest of the loan regularly according to the contract.

5. The principal and interest of the loan shall be settled, and the procedures for withdrawing the mortgage of the house shall be handled.

Extended information:

Mortgage loan procedures

Identity certificates: ID cards and household registers of both the borrower and the couple, the property owner and *** the couple , original and copy of marriage certificate.

Proof of financial resources: Proof of income of both the borrower and his wife (including a copy of the business license with official seal and annual inspection);

Proof of real estate: the property ownership certificate and original certificate of the mortgaged house. The original house purchase contract (original house purchase invoice) and copy. The central delivery room must provide the house listing certificate.

Purpose information:

House purchase:

1. Copy of ID card and real estate certificate of the purpose party;

2. Down payment voucher (Handwritten is enough);

3. A single-page sales contract.

Note: If the lending bank is Shenzhen Development Bank, the account of the intended party must be provided

If the lending bank is Bank of China, a post-loan (copy of the real estate certificate after transfer) must be provided

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Baidu Encyclopedia--Mortgage Loan