How do you know if you have finished reading the mortgage?
1. Some banks, such as ICBC, sign a loan contract with official seal after reading it, and getting this contract means passing.
2. Other banks, such as Agricultural Bank, require the contract to be signed together with the property ownership certificate of the transfer. In this case, both the buyer and the seller can only go to the bank loan center with their ID cards to check the reading effect of the bank.
How do you know how long it will take for the mortgage to pass?
How long does it take to get a loan through mortgage reading?
Individuals apply for housing mortgage loans, and different banks may have different housing loans, and the lending time is not the same. Mortgage loan lending time is mainly divided into:
1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to beg for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas.
2. Commercial and residential mortgage loan is about 1 month. Most mortgage loans for houses are commercial loans begged by banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time.
3. If you want the bank to lend money quickly, you can lend money with a receipt and lend money within 3 working days after the transfer. 400 yuan guarantee fee is required. If you use other documents to lend money, it usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license.