It takes about 20 working days to mortgage a loan to a bank:

1, 4 working days for loan investigation.

2, the loan review and approval for 5 working days.

3. The loan contract shall be signed within 2 working days.

4. Mortgage registration takes 7 working days.

5. Lend money within 2 working days after mortgage registration.

What is a real estate mortgage loan?

Although many people have heard of real estate mortgage, they don't know much about it. Real estate mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan and legally obtain the lien and pledge of the borrower's property through a certain contract.

What are the procedures for real estate mortgage loan?

1, select the lending institution.

If buyers want to apply for real estate mortgage loans, they need to choose a good lending institution first. Generally speaking, they can choose to apply for real estate mortgage in the bank. The bank's loan interest rate is relatively low, safe and reliable, but the bank's approval speed and loan requirements are relatively strict. Although the interest rate of private lending is high, the audit requirements are low and the processing speed is fast. Therefore, choosing the right lending institution is a crucial step in the whole loan process.

2. Write an application and submit materials

After selecting a suitable lending institution, you need to submit application materials according to the requirements of the lending institution. The borrower and his spouse need valid identity documents, household registration books and marriage certificates; Personal income certificate; Certificate or statement of loan use; Proof of ownership of mortgaged property; Other documents or materials required by the lending institution.

3. First trial

Lending institutions conduct a preliminary review of mortgage loan information of property buyers. At this stage, there is no question about the buyer. As long as the materials submitted by buyers are true and reliable and meet the requirements of lending institutions, they will basically be approved.

Step 4 evaluate

Lending institutions will evaluate buyers' houses. Generally speaking, there are designated assessment agencies, and a certain assessment fee will be charged during the assessment, which is generally around three thousandths to five thousandths. The difference is fixed and progressive. The fees charged by different assessment agencies will be slightly different, and the charging standards in different regions are also different.

5. Approve loans and sign contracts

After the house passes the evaluation, the lending institution will review it again according to the information and evaluation report provided by the buyers. After approval, the lending institution will communicate with you about the loan amount, interest rate, term and repayment method, and then you can sign the loan contract.

6. Apply for mortgage registration

Property buyers need to go to the Housing Authority where the house is located for mortgage registration. At the time of mortgage registration, it is also necessary to prepare relevant materials: the applicant's identity certificate, marital status certificate, housing registration application, housing ownership certificate or property right certificate, state-owned land use certificate, mortgage contract and principal creditor's rights contract, and other necessary materials;

7. Loans

Finally, just wait for the loan.