When will the mortgage arrive:
If it is a provident fund loan, 15-20 working days; if it is a commercial loan, it will arrive within 25 working days. But this is not absolute, and it will be influenced by the loan method and the loan bank. Different banks have different regulations and approval processes, so the lending time is different.
What is the mortgage processing process?
1. Both parties signed a house sales contract, but this is only an intentional contract, and no down payment or deposit is required.
2. The applicant submits a loan application to the bank, and the bank staff will review your information. If the information is incomplete, the bank will ask you to supplement it.
3. After the approval of the bank, you need to confirm the loan time with the bank, and then go to the real estate bureau to handle the transfer and pay the down payment.
4. After the transfer, sign a loan contract with the bank and pay the relevant fees. But when signing the contract, you should read the terms carefully to avoid subsequent troubles.
5. Go through mortgage and insurance procedures.
6. After the above steps are completed, wait for the bank to lend money, but after lending, ask the bank for loan contracts, IOUs, second-hand houses, insurance policies, evaluation books and other materials. In addition, the real estate license should be copied in two copies and stamped with the official seal of the bank to avoid subsequent use.
What information do you need to apply for a mortgage?
1, personal loan application.
2. Personal valid identity documents (including ID card, residence booklet, military officer's card, driver's license, military officer's card, civilian cadre's card, passport, etc.). ).
3 proof of personal marital status (including marriage certificate and divorce certificate).
4 personal income certificate (including salary certificate, tax payment certificate, business income certificate, etc.). ).
5. Proof of down payment for house purchase.
6, the purchase contract, loan purposes and other information.
7. Provide the ID card, household registration book and marriage certificate of the co-owner.
8. Other relevant materials required by the bank.
Abstract: Well, it is enough to know when the mortgage will arrive and what the mortgage handling process is. If you need more information, please continue to pay attention to Qijia. We will provide you with more exciting content later.