1. If you need to apply for a mortgage loan to buy a new house, and the property has already applied for a pre-sale certificate, as long as you apply to the bank, the bank will check your credit history with the People's Bank of China. If there is no problem, you will reply to your personal loan application within 3 days, and ask you to submit relevant documents, such as copy of license, income certificate, down payment document, and sign relevant bank documents and loan contract.

2. After collecting all the information, the bank will conduct internal examination and approval, and then go to the housing management transaction department to go through the mortgage registration formalities, which will take about 65,438+00 working days. After the transaction issues other warrants (the city that implements real estate registration issues a real estate registration certificate), the bank will lend money within 3 working days.

3. If you apply for a commercial loan to buy a house, 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, because it involves many institutions such as provident fund and banks.