Generally speaking, it takes about 10-30 working days for major banks from mortgage registration to lending. After all, it not only takes about 10 working days for the bank to approve the loan, but also needs to register the mortgage with the Housing Authority. Of course, if it is an existing house, the loan time may be lower.
In addition, according to the latest news from relevant institutions, the joint-stock companies in China are different.
Relevant regulations on housing mortgage loan
civil law
Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:
(a) buildings and other land attachments;
(2) architecture
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Ships and aircraft;
(6) Transport workers
(7) Laws and administrative regulations
The mortgagor may mortgage the property listed in the preceding paragraph together.
"People's Republic of China (PRC) City Real Estate Management Law"
Thirty-second real estate transfer, mortgage, housing ownership and land use rights within the scope of housing occupation at the same time transfer, mortgage.
Thirty-sixth real estate transfer, mortgage, the parties should be in accordance with.
Hualvwang
Article 47 Real estate mortgage refers to the act of providing the mortgagee with the guarantee for debt performance by means of mortgage possession. When the debtor fails to perform the debt, the mortgagee has the priority to be compensated.
Forty-eighth legally acquired housing ownership and land use rights within the scope of occupation can be mortgaged.
The land use right obtained by means of transfer can be mortgaged.
Forty-ninth real estate mortgage should be based on the land use right certificate and the house ownership certificate.
Fiftieth real estate mortgage, the mortgagor and the mortgagee shall sign a written mortgage contract.
Article 51 The right to use the land mortgaged by real estate shall be obtained by allocation. After the real estate is auctioned according to law, the mortgagee shall be paid the amount equivalent to the payable land use right transfer fee from the auction price.
Article 52 After the signing of the real estate mortgage contract, the newly-built houses on the land do not belong to the mortgaged property. When the mortgaged real estate needs to be auctioned, the new houses on the land can be auctioned together with the mortgaged property according to law, but the mortgagee has no right to be compensated in priority for the proceeds from the auction of the new houses.
Instructions for handling housing mortgage loans
Housing mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It consists of residential sales contract, housing mortgage loan agreement and housing mortgage loan.
Second, how long does it take from the completion of mortgage registration to lending?
Not necessarily.
It depends on the specific situation.
Look at the loan situation of the bank.
3. How long will it take to get a loan from the bank after the mortgage formalities are completed in the Housing Authority?
15 working days to one month.
Specific operation: 1. Bank loan process: 1. Submit personal loan application first; 2. After bank acceptance-evaluate the mortgaged property; 3. Review the loan according to the appraised price and the information provided by the borrower; 4. After passing the examination, sign a loan contract with a law firm and handle the mortgage formalities of real estate warrants; 5. Bank loans. 2. If the information is complete, it will take at least 15 working days to send the information to the bank for review, and the loan will be completed. 3. Information required for loan: 1. Id card 2. Marriage certificate 3. Proof of income (successive issues) 4. Household registration book 5. Property ownership certificate (or valuable certificate) 6. Guarantor's ID card, household registration book, proof of marital status, etc. 7. Information required by the bank. Four. Time of bank lending: Generally speaking, different banks have different regulations and approval processes, so the lending speed will be different. The specific circumstances require the lender to implement in accordance with the relevant regulations of the bank. 4. How many days does it take from mortgage registration to lending?
From mortgage registration to loan issuance, as the case may be, the details are as follows:
1, it will take about 10-30 days, depending on how long it takes for the Housing Authority to handle mortgage registration and the speed of bank approval;
If you have an existing house, it may take a week. In addition, the house as collateral needs to be evaluated. After that, the bank will also evaluate the amount and duration of the application, and then register the mortgage before lending. Matters needing attention in loan:
(1) When you are in a hurry to borrow money, it is easy to be deceived by what some black intermediaries call "low interest". Therefore, if you need a loan, you must first find out whether the lending institution is formal and whether the qualification procedures are complete before you can apply for a loan to avoid being cheated into charging high interest;
(2) In order to provide the information needed for loans, many people will do "running water", but such fast-forward and fast-out running water will be ruled invalid. It is necessary to separate the repayment date from the payday as far as possible, and the interval is longer to avoid fast-forward and fast-flowing water;
(3) Whether banks or other institutions, the first step to know customers is to look at the application materials. In order to get a better loan, they want to provide fake tap water or other materials to get away with it, but if they are found, the consequences will be very serious, that is, they will never lend again. When you fill in the materials, you must fill them truthfully, and you can't resort to deceit.