It takes about half a month to approve the 202 1 portfolio loan.
1. What is a portfolio loan? Refers to the lender who meets the conditions of individual housing commercial loans and pays the housing provident fund at the same time. Buyers can also apply for personal housing provident fund loans when handling personal housing commercial loans.
2. Go through two processes: when applying for portfolio loans, you need to go through two processes: housing provident fund loans and personal housing commercial loans, which need to be jointly approved by the provident fund management center and the loan bank.
The trial time of the provident fund loan center takes about 7 working days, and the loan bank also takes about 7 working days. In the end, the provident fund management center needs 2 days to conduct the final review.
3. Impact of the new mortgage policy: In 20021year, due to the impact of the new mortgage policy, the approval time of the bank's mortgage was also much longer, so the approval of the 202 1 portfolio loan took about half a month.
If there is still no result after three months of approval, it is recommended that the buyer call the bank for consultation.
Second, how long does it take for the general CCB housing loan to be completed?
one month
3. How long does it usually take for banks to approve commercial housing loans?
The housing loan process is as follows:
Sign a loan contract with the bank → give the title certificate to the bank after it is approved by the bank → handle other rights → lend money to the bank.
Bank loan information application:
Buy a new house: ID card, household registration book, marriage certificate, income certificate, bank account, (married with information of both husband and wife)
Buy a second-hand house:
Buyer: ID card, household registration book, marriage certificate, income certificate, bank account, (married with both husband and wife information)
Seller: ID card, household registration book, marriage certificate, real estate license, land certificate, (married with both husband and wife information)
Generally, it takes one month to apply for mortgage loan for house purchase, and one and a half months is also possible if bank lending is slow.
4. How long does it take for banks to approve commercial housing loans?
Mainly depends on the services of local banks. If it goes smoothly, the preliminary assessment can be made in three working days and approved in five working days.