When banks handle mortgage loans or mortgage loans, the cycle is generally 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 number, 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 back, 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 and tell you when to go to the Housing Authority for mortgage registration. After the mortgage is completed, the bank will issue the loan to your receipt card within 2 working days.