1. The loan investigation will take 4 working days.
2. The loan approval time is 5 working days.
3. 2 working days after the signing of the loan contract.
4. Mortgage registration takes 7 working days.
5. Lend money within 2 working days after mortgage registration.
6. If there are no reasons such as incomplete information and failure to lend money on time between the submission of the application and the lending, the lending time of the bank for real estate mortgage is about 7- 15 working days.
How long can the mortgage come down?
It takes about two or three days for financial institutions and one or two months for banks. Non-bank financial institutions; The efficiency of non-bank financial institutions is relatively high. When applying for housing mortgage loan, it only takes two days for the borrower to submit the complete application materials, and many people will go to non-bank financial institutions to handle this matter; Bank: Banks will strictly examine the qualifications of borrowers. When applying for housing mortgage loan, it takes 15 working days to complete the loan approval. In addition, with the assistance of the guarantee company, the approval process will be accelerated. In this regard, the bank's lending time is not fixed. The lending time of real estate mortgage loan is different in different situations. Usually, the loan time of real estate mortgage is about one to three months.
Extended information:
1. What are the requirements for real estate mortgage loan: legal identity is required; Need to have a stable income, have the ability to repay the principal and interest of the loan, and have no bad credit record; Need to have a legal and effective purchase contract; If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is below 10, and a down payment of not less than 30% of the total price of the purchased house is prepared or paid; Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid more than 1 year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the bank; The mortgaged property is your house; You need to have a regular job to repay your loan; Find more commercial banks like China Merchants Bank and China Development Bank, which may lower your income requirements. The loan amount is 50% of the amount assessed by the bank. The appraisal company designated by the bank conducts the appraisal, which is generated according to your age, ancillary facilities, degree of residential projects and other related factors. Generally, the appraisal price will be lower than the market price of the house, because banks should control risks.
2. Mortgage loan refers to the loan provided by the loan bank with the borrower's real estate, marketable securities and other documents as collateral to obtain the lien and pledge right of the borrower's property according to law to ensure the safety of the loan. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.
How long does it take for a bank mortgage loan from application to lending?
Generally, it takes at least fifteen days from application to loan.
If there is no bank loan for the property: Yes.
1. Identity cards of the obligee and spouse.
2. The household registration book, fund and cash passbook of the obligee and spouse, and the application materials for housing mortgage loan, please provide the birth certificate.
If there is a bank loan for the real estate: Yes.
Property certificate (the property certificate and land certificate in the mortgage bank loan must be mortgaged to the bank).
2. If the owner of the real estate license has minor children, please provide the original loan contract and the latest bank statement.
3. In order to improve the pass rate of mortgage loan, please provide other family property certificates as far as possible, such as other real estate licenses and stocks.
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income. This proof has a great influence on the success and maximum amount of mortgage bank loans.
Extended data:
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.
This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.
This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds.
Most borrowers of this kind of housing loan are individual residents, so it is impossible for banks to clearly know the borrower's financial strength and credibility, which increases the risk of bank loans, and mortgage loans provide creditors with an effective guarantee to recover loans just under the condition of high loan risk.
Therefore, most banks use mortgage loans when granting housing loans to individual residents. [