For example, to make a mortgage loan in China Merchants Bank, if the application materials are complete, including real estate assessment and mortgage registration, it generally takes about 15 working days. ICBC's mortgage loan generally takes 10 working days. The mortgage loan of CITIC Bank generally takes 65,438+00 working days. Ping An Bank's mortgage approval time is short, generally only takes 2 working days.

The general lending time is about 15 working days, and the bank will have a very detailed process for approving materials. Specific lending time can be directly contacted with bank outlets or loan account managers.

If, after six months, the loan cannot be issued because of the bank policy, not the property buyers.

According to Article 23 of the Interpretation on Several Issues Concerning the Applicable Law of Commercial Housing Sales Contract Disputes, it is stipulated in the commercial housing sales contract that if the buyer fails to conclude a commercial housing loan guarantee contract due to one party's reasons, the other party may request to terminate the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer.