The mortgage loan was approved and the loan was finally issued. This is waiting, you don't need to go to the bank to sign. Waiting for the loan to arrive, sometimes it takes a long time, and the bank lends money in batches.
Second, banks have passed the examination when they make mortgage loans. Do you need this when the loan is finally issued? ...
I brought my ID card and signed it in person at the bank. The other kind entrusts others to sign on behalf of it, and the procedure is more troublesome.
3. What should I do after the house loan bank is approved?
After the mortgage handled by the bank has passed the examination and approval, the notified customer needs to bring personal ID cards, bank cards and other materials to the business outlets to sign loan contracts and handle mortgage registration and other related procedures within the agreed time. After signing the contract and making the mortgage, the bank will enter the lending link, and the customer only needs to wait patiently. After the bank lends money, the funds are transferred to the account designated by the real estate developer, and the customer can pay attention to repaying the mortgage principal and interest in installments on time according to the repayment plan agreed in the signed contract (usually from the next month of lending). Everyone needs to pay attention to the fact that after the mortgage loan is approved, it will be released in about one month, but sometimes it will take a long time if something is postponed. For example, it may take two or three months to lend money, or even longer. In this regard, if the progress has not changed, customers can also take the initiative to call the bank customer service for consultation and urge the other party to lend money as soon as possible. Extended data:
Conditions for applying for a house loan: buying a house is a large consumption, so many people will choose to apply for a house loan when buying a house. I. Apply for conditional housing loan 1. Applicants need to have legal residence status and proof of permanent residence or residence status of urban residents, so it is best to buy a house in the place where your household registration is located or the city where you live now. 2. The age must be 18 years old. 3. The applicant must have a compliant job and a stable income source, so that the lender can ensure that you have the ability to repay the loan principal and interest on time. 4. Need to sign a house sales contract and pay the down payment ratio stipulated by the bank. The applicant's credit should be good. Second, the housing loan application materials 1. Applicants should prepare their own identification, that is, valid identity documents; 2. Prepare your own residence certificate, such as household registration book or valid residence certificate; 3. Prepare your work certificate and income certificate; 4. Prepare your own House Sales Contract and related documents; 5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate. Benchmark interest rate of mortgage: the annual interest rate of mortgage within one year (including one year) is 4.35%. 2. The annual interest rate of mortgage for one to five years (including five years) is 4.75%. The annual interest rate of mortgage loans for three years, five years to thirty years (including thirty years) is 4.90%. Although the People's Bank of China has set the benchmark mortgage interest rate, it is not a rigid standard. In other words, when determining the mortgage interest rate, banks can float within a certain range according to the benchmark mortgage interest rate set by the central bank. At present, the mortgage interest rates of most banks are higher than the benchmark mortgage interest rate, and some even rise by about 30%. It can be said that China's mortgage interest rate will not only change frequently, but also appear in the form of rising interest rates. The loan interest rate for the first home in China has generally increased by 5% to 20%. The loan interest rate of the second suite has also generally increased by 30%.
4. How long does it take for the bank to sign the loan contract after the mortgage review is passed?
The process of mortgage loan is as follows: banks usually handle mortgage loans or mortgage loans within one month. If there are many bank lenders, the application time may be delayed to one and a half months or even two months.
Loan preparation materials: Lender's (husband and wife's) ID card, household registration book, marriage certificate, income certificate, bank account, property right certificate and land certificate. If there is no problem with the lender's (husband and wife's) credit information, the bank will accept the loan.
After the information is submitted to the bank, the bank's risk control will call for a return visit, usually the company's landline or personal phone.
Approval is usually completed within 3 working days after telephone call back. After the approval, the bank will call you to tell you when to register the mortgage with the Housing Authority. After the mortgage is completed, the bank will issue the loan to your receipt card within 2 working days.