1. How long will it take for the China Construction Bank mortgage loan to be approved after submission?

The entire approval process takes about a month. Application materials:

1. Valid ID card and household registration book of the borrower;

2. Proof of marital status. If you are unmarried, you need to provide a certificate of unmarried status. If you are divorced, you need to provide a civil mediation letter. Or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse’s valid ID card, household register and marriage certificate;

4. The borrower’s income Proof (certificate of salary income for six consecutive months or local tax certificate);

5. Property ownership certificate of the real estate;

6. Guarantor (ID card, household register, settlement certificate required) (No) Marriage certificate, etc.)

2. How long does it usually take to apply for a housing loan from submitting materials to disbursing the loan?

Currently there is no timetable, and the approval is quick, but the loan issuance It is an indicator that you need to see whether there is a loan.

3. How long does it take to get a mortgage loan from a bank from submission of information to approval?

It usually takes one month from the time the bank accepts your personal information to the time the loan is issued. First, it will be reviewed by the branch that will make the mortgage for you. After passing it, it will be submitted to the head office for final review. During this period, your home purchase contract will be finalized. The real estate bureau records the contract. After the record contract is issued, the real estate bureau will do advance notice and registration. Then the head office will approve the loan, and then go to the mortgage department. It will take another 3-5 days before the loan can be released. Generally, the bank will confirm the income certificate, and it will be confirmed within one week of your application. Generally, if you have arranged it well, the bank will not keep asking for it, and it will be easy to pass. Moreover, if you provide many other asset certificates or deposit points in the bank, With money, everything will be fine. Real estate certificate application process and related matters 1. Information required 1. Original house purchase and sale contract and original supplementary contract. 2. The original copy of the unified invoice for commercial housing sales. 3. The original field survey form of the house and the layered and household floor plan. (If the house surveying and mapping report is in the old format, you will also need to issue a completion acceptance form and fill in the Lishui City Real Estate Registration Application. In the new format, you only need to provide the field surveying and mapping survey form of the house and the original layered household plan.) 4 , tax payment certificate (deed tax payment document) participants in the mortgage, including commercial banks that provide credit funds, home buyers who ultimately purchase the property, and property owners (including developers/owners of second-hand houses), when applying for a loan, they must also The participation of appraisal companies and housing mortgage guarantee companies is required.

4. How long does it take to get a mortgage from a bank from submission of information to approval?

From the day the bank accepts your personal information, it will first be reviewed by the branch that will make the mortgage for you. After passing it, it will be submitted to the head office for final review. During this period, your home purchase contract will be filed with the real estate bureau, and the recorded contract will be released. The head office only approves the loan, then goes to the mortgage department, and it takes another 3-5 days before the loan can be released.

Generally, the bank will confirm the proof of income within one week after you submit the application. Generally, if you have arranged that the bank will not keep asking for proof of other assets, then everything will be fine.

Process of real estate certificate application and related matters

1. Requirements

1. Original and supplementary house purchase and sale contract

2. Commercial housing Original sales unified invoice.

3. The original field survey form and stratified household plan of the house. (If the house is inspected, you will also need to issue a completion acceptance form and fill in the Lishui City Real Estate Registration Application. In the new format, you only need to provide the original house floor plan of the house.)

4. Tax payment certificate (deed tax Payment letter)

The participants in the mortgage, including the commercial banks that provide credit funds, the buyers who ultimately purchase the property, and the owners of the property (including developers/second-hand housing, also need to have an appraisal Participation of companies and home mortgage guarantee companies