A few years is no problem.

1, the mortgaged house can be sold, which belongs to the second-hand housing transaction.

2. Banks usually stipulate that if the loan is less than one year, it is required to pay liquidated damages, and if it is more than one year, it is not required to pay. The seller can use the down payment paid by the buyer to go to the bank to repay the loan in advance, go through the mortgage formalities, and then handle the transfer.

Hefei Everbright Bank can notify the transfer in a few days after approving the loan.

After the face-to-face mortgage is passed, the bank can handle the transfer after lending. It takes about 7 working days to make a quick loan after signing the mortgage, and about one month if it is slow. loan on mortgage/security ...

How long does it take for the loan to be approved?

How long can the loan be transferred after approval? This is the concern of all mortgage lenders. Everyone must first understand the loan application process, and know the process to master the time required for transfer.

I. Mortgage application process

1. Application: The borrower should fill in the application form in the loan office and provide the following supporting documents.

2. Audit: The bank investigates the lender's guarantee and credit standing, conducts examination and approval according to procedures, and informs the borrower of the examination and approval results.

3. Signing: After the lender's application is approved, it will sign a loan contract with the bank.

4. Lending: After the lender completes the relevant procedures, the bank will pay the loan to the lender's personal account according to the borrower's entrustment and transfer the loan to the relevant payee's account.

Second, how long can the loan be transferred after approval?

After the mortgage is approved, the applicant can transfer the ownership at any time. The transfer place is the Housing Authority, and it usually takes 15-22 days for the housing authority to transfer. After the transfer formalities are completed, you have to go to the housing management department to go through the formal mortgage loan procedures, mortgage the property right certificate in the housing management department, and the property owner signs it on the spot. Finally, the certificate of other rights of the officially mortgaged house is sent to the bank, and the bank issues loans, so that the borrower can officially move into the house.

How long it takes to transfer ownership after approval depends on the efficiency of the housing authority in the city. Generally, the workload of housing management bureau in small cities is small and the transfer time is short. In big cities, it takes a long time to transfer ownership, with an average of 15 days.

Matters needing attention

1. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract and IOU signed by the bank and the applicant are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

Don't forget to cancel the mortgage after the loan is paid off. After the applicant has paid off all the loan principal and interest, he can go to the district or county real estate trading center where the real estate is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificate of the mortgaged real estate.

3. If repayment is difficult, contact the loan bank in time. When the applicant's debt repayment ability declines during the loan period and it is difficult to repay, don't insist on it yourself.

How long was the latest transfer after the loan was approved by China Construction Bank?

The transfer must be completed within one month. Otherwise, the whole process will be redone. After approval, the transfer can be made from Monday to Friday, and there is no timeliness.

I got the mortgage text message. When can I transfer ownership?

How long it takes to transfer ownership after approval depends on the efficiency of the housing authority in the city. Generally, the workload of housing management bureau in small cities is small and the transfer time is short. In big cities, it takes a long time to transfer ownership, with an average of 15 days.

After the mortgage is approved, the applicant can transfer the ownership at any time. The transfer place is the Housing Authority, and it usually takes 15-22 days for the housing authority to transfer. After the transfer formalities are completed, you have to go to the housing management department to go through the formal mortgage loan procedures, mortgage the property right certificate in the housing management department, and the property owner signs it on the spot. Finally, the certificate of other rights of the officially mortgaged house is sent to the bank, and the bank issues loans, so that the borrower can officially move into the house.

How long does it take to transfer the house loan?

About five working days.

In order to avoid risks, the bank's work is very rigorous, and the approver will re-examine the auditor's work. If there is no problem, the bank will inform that the loan has been approved, and the tax payment can be transferred, which usually takes about 5 working days.

If the original owner does not have a loan, he will pay taxes and transfer the mortgage property certificate after approval, and the bank will lend money in about seven working days. If the original owner has a loan, he needs to apply to the loan bank for early repayment after signing the contract. Time depends on the bank itself. Some owners need a month to pay taxes and transfer mortgage property certificates after the loan is paid off.

Matters needing attention in housing loan

Apply for a mortgage according to your ability: some users will think that the larger the loan amount, the better. Actually, that's not the case, because after you get the mortgage, you have to pay it back and you have to pay interest. If the loan period is long and the loan amount is large, then it is necessary to pay more loan interest and increase the repayment pressure.

After the loan application is approved, the buyer can repay the loan every month. Then, if you encounter difficulties and can't repay the loan on time, the buyer can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.

For the above contents, please refer to People's Daily Online-How long will the loan be approved (Chengdu Bank).