Usually you can come down in seven working days.

In fact, apartment loans are also very good. As long as you meet the loan conditions, first of all, your personal credit report should be qualified, and the turnover of the general bank should also meet the requirements of the bank. You can apply for a loan to buy a house, but apartment loans are different from ordinary housing, which require commercial loans and cannot use provident fund loans.

How long does it take for a bank 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.

Is Ningbo apartment loan approved well?

It's good to give enough proof.

Ningbo apartment loan needs to provide identity certificate, household registration book, lender's work certificate, income certificate, personal credit report, marital status certificate and other materials, and bring relevant materials to the bank to fill out the loan application, which will be approved by the bank. Generally, it can be approved in about 0/5 days, and loans can be approved. So the relevant materials can be approved if they meet the requirements.

The apartment can be loaned, and the purchase of the apartment is not restricted by the loan, but the loan interest rate will be higher than that of the house, and the down payment will be higher. Generally, you need to pay 50% down payment. The apartment belongs to commercial land, and the property right is generally 40 years, so the loan period of the apartment will be relatively short, generally not exceeding 10 year. In addition, apartments cannot apply for provident fund loans.

Can I get a loan from the bank to buy a complete apartment? How soon can the bank loan be approved?

Can the whole apartment building be mortgaged?

The whole apartment building can be used as a pledge to apply for a mortgage loan in the bank. According to the regulations, commercial and residential buildings with housing ownership certificates, economic and practical houses for more than five years, and public houses purchased at ex-factory prices can all apply for housing mortgage loans. The whole apartment building is essentially a commercial and residential building, and borrowers can apply for mortgage loans as long as they have clear proof of property ownership.

Houses that cannot be used as collateral to apply for mortgage loans in the bank include: small property houses without real estate license, houses with outstanding mortgage, second-hand houses with too small building age and total area, affordable houses with less than five years, some public houses, illegal buildings, houses with disputed ownership, houses within the scope of relocation, and houses for public welfare subjects.

How much is the mortgage loan for the apartment building?

According to the regulations, the maximum amount of mortgage loan can reach 80% of the real estate appraisal value, but the specific amount of mortgage loan should be determined according to the borrower's personal qualifications. The better the borrower's personal comprehensive qualification, the higher the loan amount he can apply for. Assuming that the borrower's evaluation value of the whole apartment building is 400,000, according to the proportion of 70%, the borrower can probably get a loan of 280,000.

How soon can the bank loan be approved?

How long it takes for a bank loan to be approved depends on the efficiency of the bank and the type of loan that the customer applies for. Different types of credit business may take different time because the steps are simple and complicated.

For example, if a customer applies for a credit consumption loan, it will be approved within five to seven working days. If you apply for a mortgage loan, it may take another week or two to complete the approval (subject to the actual approval time).

In short, the customer only needs to wait after submitting the loan application. If the approval results come out, financial institutions will naturally inform customers in time, regardless of whether the approval is based or not. If the approval is passed, the notified customer will of course go to the bank counter to sign the loan contract on time, and the financial institution can only make payment after the relevant procedures are completed.

We also need to pay attention to the fact that many credit products issued by financial institutions are approved and paid online, and customers do not need to sign offline. It may take a short time to apply for this kind of loan, and some can even complete the examination and approval on the same day, and then receive the next payment.

How long is the lending cycle of apartment mortgage loan in Tianfu New District of Chengdu?

Usually within a month. If you want to speed up the next payment, you can consult on the WeChat applet Lv Qing first. This platform has free pre-loan consulting service, which should be helpful to you. You can speed up to know and understand.

So much for the introduction of how long the apartment loan can be approved.