I. Mortgage of China Construction Bank
Nowadays, young people are under great pressure and may need to buy a house, but they have insufficient funds and can only choose loans. However, loans need to be approved by banks, and the approval time of loans from different banks is different. If it is China Construction Bank, it may be approved within 15 working days. If the working day income is not approved, it will take at least three months. In fact, the reason is very simple, because there is no clear standard for the time of mortgage approval. Different banks and mortgages applied for in different time periods will affect the timeliness of approval. In addition, if your credit is not particularly good, or for other reasons, it will slow down the mortgage approval and prolong the approval time. If you want the mortgage to come down as soon as possible, then you need to pay attention to every process, because the time consumption of different processes is different. Under normal circumstances, CCB's mortgage is a lender, so it is necessary to prepare various application materials, submit them to the staff, and then fill in the materials. After the account manager submits the report for review, the auditor will review it.
II. Mortgage-related matters
If you want to make mortgage approval faster, then your credit must be good. For example, you borrowed money before, but paid it off within the overdue time. The bank will think that this person has good credit and the approval speed will be fast. It should be noted that if your credit is not particularly good, the approval speed will often be slower than others. For example, if you have been a guarantor for others before, but others have not returned some change after repayment, the credit of this guarantor will also be affected, so the bank will conduct a very comprehensive review of this guarantor, and the approval speed will be slower.
Finally, if you want to buy a house with a loan, you must choose a regular bank to avoid being fooled.