How long does it usually take to get a house loan?
1. Because the loan policy of each lending bank is different, the specific lending time of the house loan is uncertain. If the lender deals with housing provident fund loans, it will take longer to issue housing loans, usually about 2 to 3 months, and the fastest will take about one month.
2. If the owner buys a new house and applies for a commercial loan, the loan bank will generally reply to the lender's loan application within three days after submitting the loan application. After the loan application is approved, under normal circumstances, the loan bank will issue the housing loan to the lender's bank account within one month.
3. If the owner buys a second-hand house and handles a commercial loan, then after the loan application is passed, the loan bank will issue a loan approval letter to the lender, who will go to the Housing Authority to handle the transfer formalities with the seller's loan approval letter, and then need to provide the tax payment certificate and the notice of obtaining the real estate license to the loan bank. After obtaining the real estate license, the loan bank goes through the mortgage registration formalities and then issues the house loan to the seller within one month.
4. After the house loan is paid to the lender's bank account, the lender needs to formally start paying the monthly payment and principal according to the loan method from the next month. If the loan is made on February 8, the lender will start to pay the monthly payment on March 8, and the eighth day of each month is the lender's monthly payment time.
The above is a detailed introduction about how long the house loan is generally extended, hoping to help everyone. When applying for a loan, you should choose the appropriate loan method according to your own economic ability and needs to reduce your economic pressure.