The customer applies for a mortgage. After the loan contract is signed and the mortgage is completed, the bank will generally disburse the funds to the account within one month. If the speed is fast, the funds may be received within two weeks. .

Of course, sometimes if there is a delay, you may have to wait two or three months for the loan to arrive. Especially when bank funds are tight, some customers have even waited for three months for loans. For example, many customers applied for a mortgage at the end of the year, and it happened to coincide with the bank's year-end settlement. Many of them were not released until the beginning of the next year after the end of the year.

In this regard, customers can only wait patiently, and humans cannot interfere with the bank's efficiency. However, if the bank disburses the money later, it will also send a timely message to notify the customer.

If the bank is delayed in lending, the customer can take the initiative to contact the bank's customer service for consultation, ask what is going on, and remind the other party to lend as soon as possible; and be careful to negotiate with the real estate developer to avoid the other party Disputes arose because of the delay in receiving the house payment. In addition, before the bank disburses the money to the account, the customer should pay attention to maintaining good personal credit, so as not to have a second review before the bank disburses the loan, which will affect the disbursement due to poor credit.

What is the certificate of house loan mortgage in the bank?

Loan purchase of house will mortgage other certificates of the house in the bank.

When purchasing a commercial house with a mortgage loan, after the real estate mortgage registration is completed, the "House Ownership Certificate" will be collected by the house buyer, while the bank holds the "House Ownership Certificate".

Those who buy a house with a mortgage loan should register the property mortgage after registering the property rights. As the mortgagee, the bank will obtain the "Other Property Rights Certificate". Therefore, after the real estate mortgage registration is completed, the "House Ownership Certificate" will be collected by the house buyer, while the bank holds the "House Ownership Certificate".

For properties that have been mortgaged, there will always be mortgage registration records in the property files before the loan is repaid, and they are not allowed to be bought or sold, so there is no need for the bank to require the lender to pledge the property certificate to bank. After the loan is paid off, don’t forget to bring the loan settlement certificate issued by the bank to the Housing Authority to go through the procedures for releasing the house mortgage.