It usually takes a month to issue a new house loan. The main reason is that banks need to review mortgage information, understand the borrower's repayment ability, and check whether there is any bad record in personal credit information. As long as the information is confirmed, the bank will lend.

What information does the mortgage material have?

1. I and my spouse's valid identification (ID card, household registration book or other valid proof of residence), and individual operators should provide business licenses (check the original and keep a copy);

2. Proof of the borrower's marital status (marriage certificate or single certificate);

3, foreign, foreign or single, to have a local account as a guarantee, and so on.

The loan for buying a house has been issued. What's next?

1. Just wait for the mortgage application to be approved and the bank will repay the loan. The bank will directly transfer the loan to the seller's account, and the buyer only needs to repay it on time.

After the bank completes the loan, your house payment has been paid in full. Just ask the developer for an invoice. Banks will give you loan contracts and loan certificates, and some banks will also give repayment plans.

3. Formally sign the loan contract.

4. Wait for the bank to register the mortgage notice with the local housing management department, and then go to the bank to sign.

5. Wait for the bank's loan notice. Generally, the loan will be directly transferred to the seller's account without the borrower's hand.

6. Get the key to the house.

Mortgage, also known as house mortgage.

Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to provide loans to the buyer after passing the examination, and according to the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer.