Mortgage loan is a way that many people choose when buying a house, and it is also the most convenient way to borrow money, and it can solve the dilemma of nowhere to borrow money at present, so it is favored by many people. Let's take a look at how long it takes for the real estate license mortgage loan. What is the process of bank mortgage loan?

How long does it take to mortgage the real estate license?

After the overall approval of the mortgage loan for real estate license, the loan can be obtained within 15-20 working days. This is the regulation of most banks on the processing time of housing mortgage loans. Of course, some people are not familiar with the process or the materials cannot be provided in time, which leads to a longer time. If you are in a hurry to get a mortgage, you can find a loan from a guarantee company, which not only greatly simplifies the approval process, but also saves the applicant a lot of heart, but the cost will be higher and you need to choose carefully.

What is the process of bank mortgage loan?

1. When handling the real estate license loan, you need to prepare all materials, including husband and wife ID cards, household registration books, marriage certificates, real estate licenses, house purchase contracts, and bank statements of personal accounts for the last six months.

2. After the materials are submitted to the bank, the bank will review the mortgaged house and the materials submitted by the applicant, and the borrower will hand over the property certificate, insurance policy or securities of the mortgaged house to the bank for safekeeping. Guarantors of both parties sign the Housing Mortgage Loan Contract and notarize it.

3. After the loan contract is signed and notarized, the bank will transfer the deposit and loan to the designated account in the house purchase agreement.

Editor's summary: The above is an introduction to the mortgage loan process of Tacova real estate license. In the past two years, the Internet has developed rapidly, and the products of loans are gradually enriched. At present, real estate mortgage loans can be completed through the Internet financial platform, but personal materials need to be paid in time to ensure the smooth implementation of loans.

How long does it take to apply for a mortgage loan?

1. The loan investigation will take 4 working days.

2. The loan approval time is 5 working days.

3. 2 working days after the signing of the loan contract.

4. Mortgage registration takes 7 working days.

5. Lend money within 2 working days after mortgage registration.

6. If there are no reasons such as incomplete information and failure to lend money on time between the submission of the application and the lending, the lending time of the bank for real estate mortgage is about 7- 15 working days.

How long does it usually take to apply for a mortgage loan?

It takes about ten working days to apply for real estate mortgage. Real estate mortgage shall be registered, and the mortgage contract shall take effect from the date of registration. The registration authority shall decide whether to register within 7 days from the date of accepting the application for registration. If the facts are clear, it shall be approved and registered within 30 days after accepting the registration.

legal ground

"Measures for the administration of urban real estate mortgage registration" Article 34

If the real estate obtained in accordance with the law is mortgaged, the registration authority shall record his rights in the original house ownership certificate, and the mortgagor shall accept it. And issue the house ownership certificate to the mortgagee. If the pre-sale of commercial housing or the construction in progress is mortgaged, the registration authority shall record it in the mortgage contract. If the mortgaged real estate is completed during the mortgage period, after the mortgagor obtains the certificate of real estate ownership, the parties concerned shall re-register the real estate mortgage.

Article 402 of the Civil Code

Where the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 is mortgaged, the mortgage registration shall be handled. The mortgage is established at the time of registration.

How long does it usually take for real estate mortgage loan?

It takes about two or three days for financial institutions and one or two months for banks. Non-bank financial institutions; The efficiency of non-bank financial institutions is relatively high. When applying for housing mortgage loan, it only takes two days for the borrower to submit the complete application materials, and many people will go to non-bank financial institutions to handle this matter; Bank: Banks will strictly examine the qualifications of borrowers. When applying for housing mortgage loan, it takes 15 working days to complete the loan approval. In addition, with the assistance of the guarantee company, the approval process will be accelerated. In this regard, the bank's lending time is not fixed. The lending time of real estate mortgage loan is different in different situations. Usually, the loan time of real estate mortgage is about one to three months.

Extended information:

1. What are the requirements for real estate mortgage loan: legal identity is required; Need to have a stable income, have the ability to repay the principal and interest of the loan, and have no bad credit record; Need to have a legal and effective purchase contract; If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is below 10, and a down payment of not less than 30% of the total price of the purchased house is prepared or paid; Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid more than 1 year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the bank; The mortgaged property is your house; You need to have a regular job to repay your loan; Find more commercial banks like China Merchants Bank and China Development Bank, which may lower your income requirements. The loan amount is 50% of the amount assessed by the bank. The appraisal company designated by the bank conducts the appraisal, which is generated according to your age, ancillary facilities, degree of residential projects and other related factors. Generally, the appraisal price will be lower than the market price of the house, because banks should control risks.

2. Mortgage loan refers to the loan provided by the loan bank with the borrower's real estate, marketable securities and other documents as collateral to obtain the lien and pledge right of the borrower's property according to law to ensure the safety of the loan. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.

This concludes the introduction of the processing time of real estate mortgage loan and housing mortgage loan. I wonder if you have found the information you need?