1. Generally, it takes about 15 working days to release the mortgage.

2. Mainly from the process of issuing, repaying and issuing the pre-arranged mortgage. Different banks have different processing efficiency, so there will be some differences in time.

3. In addition, the date when each bank can handle the mortgage release is different, so you need to know the date when you can handle the mortgage according to the bank where you handle the loan.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132

2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current notice of the branch is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other branches are not clear."

Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in the evaluation company and mortgage guarantee company when applying for loans.

Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

How long does it usually take for China banks to issue housing loans? Is it slower than other banks?

Generally, after China Bank repays the loan in advance, it takes about half a month to decompress the mortgage of China Bank's housing loan. The first day needs a good relationship, and the intermediary may handle it. However, the mortgage certificate will be delivered by courier the next day, which is a little slower than other banks.

Moreover, first of all, the prepayment of the mortgage needs to be applied one month in advance, and the bank agrees to repay the remaining principal on the repayment date of the next month before the mortgage can be lifted. Just contact the salesman who handles your mortgage to apply. The business manager will tell you what to do. After the deduction is successful, the bank will complete the payment in about a week. After paying off the loan, the bank will return some materials to you within 2- 10 working days, and then you will send the relevant materials to the housing management office where the house is located for mortgage cancellation. From the date of delivery of materials, cancellation can generally be completed within 15 working days. If you want to save time and apply for early repayment, please ask customer service to adjust the time, which is usually about 15 days.

Detailed steps of housing loan process:

1. The borrower shall fill in the Application for Mortgage of Residential Houses before the loan, and submit the following supporting materials to the bank:

The borrower's fixed income certificate issued by the borrower's unit;

Credit certification documents such as business license and legal person certificate of the loan guarantor;

Legal and valid identity certificate of the borrower;

The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law;

Appraisal report, appraisal report and insurance documents of mortgaged real estate;

Contracts, agreements or other supporting documents for the purchase and construction of houses;

Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Data of consumer loans issued by banks in China can only be obtained on 15 days.

It will take about 15 days. After obtaining other warrants, it needs to be sent back to the Housing Authority to cancel the mortgage record. Generally, it takes 1-3 working days to cancel and then transfer money normally.