How long does it usually take for CCB to get a mortgage?

hello! Generally, it takes about 15 days to approve bank loans. If there is a policy change, the time may be extended to one month. Or the bank is short of funds. At this time, loans may need to be queued and the time will be further extended. If you haven't been approved for more than 3 months, it may be that your materials or qualifications don't meet the loan conditions. In case you can't handle it, the bank will also inform you. After the approval, the bank will not lend money immediately, and it needs to sign a contract with you; After the contract is signed, CCB will issue loans according to the contract when conditions are met.

how long does it take for CCB to approve the house purchase loan?

Generally, it takes 15-2 working days for CCB to approve the house purchase loan. Mortgage approval process: after the approval of the approver beyond the approval authority, it shall be reported to the credit approval agency of the superior bank for approval. After investigation, it shall clearly understand the situation in the Approval Form for Personal Housing Loan of China Construction Bank, and fill in the review opinions, and submit the loan approval form and approval materials to the person in charge of the credit department, who will write the approval opinions on the approval form and submit them to the president in charge of the branch for approval.

Extended information

V. Processing flow

1. Loan application: The borrower and * * * people apply for loans to the provident fund center with the required information;

2. loan acceptance: the center will review the loan information, interview the borrower and confirm the loan within 15 working days;

3. loan confirmation: the borrower and the * * * authorized person go to the center to sign the loan contract, and the center issues the Notice of Transfer;

4. Pre-registration of mortgage: the borrower entrusts the provident fund center to handle the pre-registration of house mortgage;

5. loan guarantee: the borrower and the house selling unit sign the loan guarantee contract;

6. Loan issuance: The borrower shall go to the center and the bank to handle the loan transfer procedures within the time specified in the Transfer Notice;

7. Loan repayment: The borrower shall deposit the loan principal and interest into the repayment account opened by the borrower in the entrusted bank on time before the 2th of each month from the month following the loan issuance;

8. Mortgage change: The borrower must register the house ownership certificate and mortgage change within 3 months from the delivery date of the house agreed in the house purchase contract, and submit the House Ownership Certificate to the seller, who will forward it to the provident fund center.