ICBC branches in different provinces, municipalities and autonomous regions have different policies. Taking Chongqing as an example, the usual procedures and required time are as follows:

1. Go to the bank 0 months in advance to make an appointment to register 65438+ fill in the prepayment application form;

2. After1month, go to the bank counter to deduct money and complete the prepayment;

3. After the bank deducts money, you will go to the bank to get the real estate license, settlement certificate and related materials for mortgage cancellation next Thursday.

4. The property owner and the * * * owner go to the Housing Authority to learn about the mortgage procedures with their ID cards, the bank's mortgage cancellation materials, the title certificate and the Settlement Certificate, and then go to the Housing Authority to get the mortgaged property right on the third working day after handling.

Extended data:

Materials to be prepared for housing loan business:

Provident fund loan:

(1) Identity certificates and marriage relationship certificates of the lender, spouse and borrower;

(2) Borrower's (husband and wife's) bank card;

(3) Purchase contract or agreement.

Portfolio loan:

(1) Borrower's (husband and wife's) bank card;

(2) the borrower and the borrower's professional income certificate;

(3) Purchase contract or agreement.