It is recommended to go to the bank to find out clearly first. If the bank's answer is that the loan has been approved but there is no limit, then you can get the keys first for renovation. If the bank says that the loan has not been approved yet, you should be careful. When the bank has a limit, the money will be transferred directly to the developer, and the monthly payment will be enough.

What should you never do before the mortgage loan is disbursed?

Before the mortgage loan is disbursed, it is recommended that customers avoid the following situations:

1. Short Apply for many loans or credit cards within a period of time;

2. Be a guarantor for others and assume joint and several liability;

3. Overdue credit card or loan repayments under your name;

4. Conducted illegal operations such as cashing out credit cards, Huabei, Baitiao and other credit products under his name;

5. Resigned or changed jobs, resulting in the suspension of social security and housing provident fund payments.

How long does it take to issue a mortgage loan?

Apply for a bank loan now. The bank will deposit the loan directly into the seller's account. The specific time is from the transaction center between the buyer and the seller to issue other rights after the transaction is transferred. The loan will be issued within 1-7 days after the certificate is issued. (Note: Other rights certificates and new birth certificates are issued at the same time.) So the approximate time is about 25 days, and some banks do not lend money at the beginning of the month. Pure commercial loans are relatively the fastest (because banks charge a lot of interest, and generally must be processed within ten working days according to common sense. First, you need to wait for the provident fund loan time.

In theory, pure provident fund loans are actually actually It is the fastest. It is best to go through the loan procedures immediately after paying the down payment (no one can avoid the tedious process); the repayment has nothing to do with the handover of the house, so you can pay the bank loan later, and the waiting time for both The time adds up, so it is the slowest. However, you must obtain the developer's consent and understanding. It should not be said how many days will it take for you to apply for a bank loan. In other words, the housing loan may have been repaid for 2 years and the house purchased has not been handed over. After signing the sales contract, go through the loan procedures, and then add the bank loan review (about a month), and the bank's fund turnover will speed up (because the provident fund is basically entrusted to the bank for disbursement), so there are queues waiting for loans in many places across the country. < /p>