"It usually takes about 20 working days to buy a house loan. If you need to apply for a mortgage when buying a new house, and the property has already applied for a pre-sale certificate, as long as you submit an application to the bank, if there is no problem, the bank will reply to the personal loan application within 3 days, ask for the submission of relevant materials, and sign relevant loan contracts and other bank documents and vouchers. "

1. If you need to apply for a mortgage to buy a new house, and the pre-sale certificate has been processed, you can apply to the bank. If there is no problem, the bank will reply to the individual's loan application within 3 days, request to submit relevant materials, and sign relevant bank documents and loan contracts.

2. After collecting all the information, the bank submits it for internal examination and approval, and then goes to the housing management transaction to go through the mortgage registration formalities, which takes about 10 working days. After the transaction is issued, the bank will lend money within 3 working days.

3. If buying a house is to apply for a commercial loan, it usually takes about two weeks from the time when the lender submits the information to the time when the loan is issued. If it is a provident fund loan, the processing progress will be slower, and it may take 1-2 months or even longer.

I. The Measures for the Administration of Individual Housing Loans have corresponding provisions:

Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower as required.

After the application for housing provident fund loan is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract.

Two. Relevant provisions of the Measures for the Administration of Individual Housing Loans:

Article 27 All parties to a loan must abide by national laws and policies, and sign a contract on the basis of equal consultation in accordance with national plans and relevant regulations. No unit or individual may force banks and credit cooperatives to sign loan contracts and issue loans.

After the real estate transaction contract comes into effect according to law, both parties shall consciously perform the contract. If either party fails to perform or fails to perform completely, it shall bear the liability for breach of contract and compensate the other party for the economic losses suffered as a result.

Twenty-ninth individual housing loans shall not be used to buy luxury housing. Housing renovation and self-built housing loans for urban residents shall be implemented with reference to these measures. The Lender may formulate detailed implementation rules according to these Measures and report them to the People's Bank of China for the record.