How long does it take to get a mortgage?
Generally, it takes about/kloc-0 to 3 months to handle a mortgage loan, and the process of handling a mortgage loan is more troublesome, because the amount of mortgage loan usually involves a large amount, and the lending institution takes a long time to review the house and the borrower, so it takes more time.
Although many people have heard of real estate mortgage, they don't know much about it. Real estate mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan and legally obtain the lien and pledge of the borrower's property through a certain contract.
What is the process of real estate mortgage loan?
1, select the lending institution.
The first step in handling real estate mortgage loan is to choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a serious injury. Although the interest rate of private lending is high, the audit requirements are low and the processing speed is fast. Therefore, choosing the right lending institution is a crucial step in the whole loan process.
2. Write an application and submit materials
After selecting an institution, you can submit the materials needed to apply for the institution. Valid identity documents, household registration books and marriage certificates of the borrower and his spouse; Personal income certificate; Certificate or statement of loan use; Proof of ownership of mortgaged property; Other documents or materials required by the lending institution.
3. First trial
At this stage, there is basically nothing for buyers. The loan will conduct a preliminary review of the basic materials we submitted before, and the review meets their requirements.
Step 4 evaluate
Generally, lending institutions, especially banks, have to go to designated or recognized appraisal institutions for appraisal. Appraisal fees, usually around 0.3% to 0.5%, are charged in a progressive way (that is, the fees are divided according to the original book value of the appraised property, and the fees are calculated by grades, and the total fees for appraisal are added together). The fees charged by different households are not necessarily the same, and the fees charged by different regions are also different.
5. Approve loans and sign contracts
Lending institutions will re-examine according to the materials and evaluation reports submitted before, and will communicate with you about the loan amount, interest rate, term, repayment method and other issues if they pass the examination. After communication, you can sign the contract.
6. Apply for mortgage registration
Mortgage registration shall be handled at the Housing Authority where the house is located. The materials to be prepared include: applicant's identity certificate, marital status certificate, application for housing registration, house ownership certificate or property right certificate, state-owned land use certificate, mortgage contract and principal creditor's rights contract, and other necessary materials;
7. Loans
Now basically every bank can make a mortgage, but the time for different banks to lend money is different. How long does mortgage loan take? What is the process of mortgage loan? The text given to you above is very detailed. There are still some risks in real estate mortgage loan, so you should consider it carefully when operating.