House purchase loan interview means that the borrower, together with the repayer or guarantor, brings the original legal and valid documents and the required loan fees to the lending bank to pay the required loan fees and undergo an interview and signature. procedures.

How long does it take for a home loan to be disbursed after the interview?

After the home loan interview, it usually takes about a week for the loan to be disbursed, but it also depends on the current situation of the bank. If the bank has a large number of people applying for loans, resulting in a tight quota, then the loan approval speed will be slower. If the number of people applying for loans is small and the quota is ample, the loan approval speed will naturally be faster.

What should you pay attention to when interviewing for a home loan?

When interviewing for a home loan, first of all, the borrower and the borrower must be present in person. You cannot ask someone to do it for you. Secondly, the materials must be prepared in advance. , including income certificate stamped with the official seal of the unit, marriage certificate, and if married, the ID cards and household registers of both spouses are required. If it is a second home, the property ownership certificate and loan contract of the first home must also be provided. Finally, confirm with the bank the penalty for early repayment. Specific notes are as follows:

1. Proof of income: stamped with the official seal of the unit or the seal of the human resources department. There can be no alteration. Proof of income must be guaranteed to be more than twice the monthly payment, otherwise the loan amount will be affected. If the income is not enough, you can add more borrowers. If there are other loans outstanding, proof of income must be more than twice the total monthly repayments of all outstanding loans to be approved.

2. If you are married: Both husband and wife must be present, and you need to prepare household registration books, marriage certificates, academic certificates of both parties, income certificates, statements, and copies of business licenses and official seals (state-owned enterprises, institutions, world The Fortune 500 does not require), bank cards, etc.

3. If you are unmarried: you need to prepare ID card, household register, academic certificate, income certificate, statement, business license copy with official seal (not required for state-owned enterprises, institutions, and Fortune 500 companies), bank card .

4. If it is a second home: you need to provide the property ownership certificate and loan contract (settlement certificate) from the first home purchase.

5. Online signed contracts: At present, all banks have reviewed online signed contracts as a necessary part, so online signed contracts must be provided. The bank will approve the loan amount based on the lower of the house's appraised value and the online contract price.

6. Liquidated damages: You must confirm with the bank the penalty for early repayment.