At least two or three months. That's my nephew.

2. How long does it take to apply for a mortgage loan?

If you need to apply for a mortgage to buy a new building, and the property has obtained a pre-sale certificate, as long as you apply to the bank, the bank will immediately check your credit history with the People's Bank of China. If there is no problem, we will reply to your loan application within 3 days, and ask you to submit the relevant copies of licenses, income certificates, down payment documents and other materials as required, and sign the relevant bank documents and loan contracts, etc., without signing. After the bank collects all the information, it submits it to the internal examination and approval, and then goes to the housing management trading center for mortgage registration, which takes about 10- 15 working days. After the trading center issues other warrants, the bank will lend money within 3 working days, and it is OK for you to repay the principal and interest through the designated account from the next month of lending, without any other formalities. If you need to apply for a mortgage when buying a second-hand house, after applying to the bank, if there is no problem with personal integrity, the bank will conduct a comprehensive evaluation of the property through a third-party evaluation agency, and the bank will approve the loan ratio according to the evaluation value. If the down payment of the loan amount is less than the contract amount registered by the housing management trading center, the difference shall be paid before the transfer formalities, and the relevant documents shall be submitted to the bank for future reference. When the buyer and the seller handle the transfer formalities in the trading center, they shall handle the mortgage registration formalities at the same time. After receiving other warrants, the bank will pay the loan to the account designated by the buyer and immediately transfer the relevant funds to the designated bank account provided by the seller. After that, you have to repay the loan on time, which is ok. Also, if you are married, all the formalities mentioned above need to be handled by your spouse and provide a marriage certificate. If you haven't been notified for so long, you should check with the bank to see if it has been approved by the bank. Usually it's not that long without notice.

Third, how long does it usually take to apply for a mortgage?

Usually it takes about a week if it is fast, and it may take months if it is slow. As for the length of time, it mainly depends on the borrower and the bank. For example, when the borrower applies for a mortgage, the information submitted is relatively complete, and there is no need to supplement any information during the bank review process. In this case, it usually takes a week to succeed.

Therefore, borrowers also need certain skills when lending to banks:

1, the application materials should be complete. When applying for a loan, the borrower can consult the bank staff first. After understanding the information needed for the loan, carefully prepare the loan materials and then submit them to the bank, without omission.

2. Choose the right loan opportunity. When issuing loans, borrowers can choose to issue loans after RRR reduction. In this case, the bank's loan amount is sufficient, which is also very helpful for loan approval.

Extended data:

The process of housing loan is as follows:

1. First, the developer puts forward the mortgage loan cooperation intention to the loan bank; The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating conditions and financial conditions, and signs a mortgage loan cooperation agreement with qualified developers;

2. The buyer who borrows money to buy a house signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements; From the beginning of the down payment, within seven days, the buyers will provide materials that meet the requirements of the mortgage bank and directly apply for mortgage loans from the developer cooperative bank. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

3. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, commitment letter, conversation record, loan contract, IOUs, etc.

4. Subsequently, the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval; The loan application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.