Different banks, different time periods, and approval times vary. The specific time depends on whether the submitted materials are complete, whether the bank loan limit is sufficient, and the policies at the time. Please consult the relevant bank staff for details

Conditions for personal housing mortgage loans:

1. Have a permanent urban residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule;

3. Have self-raised funds of more than 30% of the total price of the house purchased, and guarantee that it will be used to pay the down payment of the house purchased;

4. Have assets recognized by the bank as mortgage or pledge, or a unit or individual with sufficient repayment capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;

5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the assessed value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.