How long does it take for a bank loan to buy a house?

How long does it take for a general bank mortgage loan to be released?

Generally speaking, different banks have different regulations and different approval processes, so the speed of lending will be different. The specific situation requires lenders to implement according to relevant bank regulations. Under normal circumstances, it usually takes a borrower half a month to apply for a loan when the relevant loan conditions are met and the procedures are complete. However, because it is more troublesome to handle loans, such as mortgages, and the property needs to be mortgaged to the bank, it is normal to handle it in one month. Mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and the purchased real estate enterprises provide regular guarantees. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.

How long will it take to successfully lend money after the house loan is approved?

1 month. After the mortgage is approved, the bank will generally lend money within 1 month. If the loan materials submitted by the lender pass the examination and approval, the lender needs to pay attention to the bank's notice, and after receiving the notice, go to the bank to handle relevant business and wait for the bank to make the next payment. However, when the bank pays is also related to the loan method chosen by the lender and the adequacy of the bank loan amount.

What should I pay attention to when buying a house with a loan?

1. Make a running account before handling the loan: users need to make a running account before handling the loan. You must have stable money every month (at least half a year) to pass the bank's audit;

2. You can't change jobs often before buying a house with a loan: If the user is going to buy a house with a loan, then you must not change companies or jobs casually before buying a house with a loan. Don't replace it at least half a year before buying a house with a loan. Because stable work and income are also the key indicators for banks to examine the personal qualifications of loan applicants;

3. Submit true loan information: Banks attach great importance to the authenticity of the lender's loan information. Loan buyers provide false information to banks, which will have a serious impact once they are discovered;

4. The repayment method should be selected: generally, the repayment method is equal principal and equal interest. The average monthly capital supply will be large in the early stage and easy in the later stage. This repayment method is generally unaffordable; Moreover, the principal and interest are equal every month, and the monthly payment is relatively small. If the personal economy is unstable or the family expenses are relatively large, it is best to choose equal interest;

5. Contact the bank immediately when the loan is not repaid;

6. Don't forget to cancel the mortgage after the loan is settled.

How long can I lend money after the house loan is approved?

General housing loans will be granted within one month after approval. However, it should be noted that bank lending has a certain relationship with the loan method chosen by the lender and the adequacy of the bank loan amount. For example, if the lender chooses a portfolio loan, even if it is approved by the bank, it still has to wait for the audit result of the provident fund center before applying for a mortgage. After the loan is made in the provident fund center, the bank will lend money. In addition, if the current credit line of the lending bank is insufficient, the loan will not be decentralized until the bank has sufficient credit line, which takes longer than normal.

The process of approving housing loan

1. Submission materials: the lender submits personal identity information and other materials and information required for mortgage loan;

2. Pre-lending investigation: after the bank accepts the lender's application materials, it checks the authenticity and legality of the materials;

3. Pass the examination: after passing the examination of the bank, the bank signs a loan contract with the loan applicant;

4. Transfer of property rights: both parties bring relevant materials to the Housing Authority to handle the transfer of property rights and other related procedures;

5. Bank loan: Bank loan after all formalities are completed.

What is the content of housing loan approval?

1. Housing situation: The bank will not only review the personal situation of the purchaser, but also approve the real estate and mortgage house under his name, because the number and repayment of real estate under the user name will directly affect the future repayment, down payment ratio, loan interest rate and quota. For example, in Beijing, local household registration can only buy two suites at most. If the contents of the second suite and the first suite are different in many ways, you can do some homework in advance and try to get the information ready.

2. Personal credit information: Personal credit information is the most important part of mortgage loan approval. It is recommended to start optimization six months in advance. Buyers should first check whether their personal credit information meets the loan conditions, and the houses exempt from inspection are also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.

3. Income certificate and bank flow: The monthly income certificate is about 2 times of the monthly payment, which is relatively easy to approve. Every bank has a prescribed bank flow, and sometimes it will require a supplementary down payment if it is not enough. In a word, the income and flow within six months proved to be very important.

4. Marital status: Married people will review housing situation, income, credit information, etc. Both husband and wife, and some processes require both parties to be present together, must also provide marriage certificates and personal credit information. If both parties jointly borrow money, it is suggested that it is more appropriate to let the party with high income and good credit information come when choosing the main lender.

How long does it take for bank mortgage approval?

First, after the bank approves the mortgage, the loan can be completed in 1-2 weeks. However, if the bank is short of funds, the time for mortgage lending may be extended to one to two months. After receiving the loan, the bank will generally notify the borrower by SMS, telephone and other forms. If the loan has not been released for a long time, it is recommended to contact customer service to check the loan progress.

Second, how long can the house loan be approved?

Each bank's audit methods and personal qualifications are different, so the approval time of housing loans is not fixed. Common loan methods are commercial loans and provident fund loans, and provident fund loans need more information and procedures. Generally speaking, the approval of commercial loans will be faster, and it will be approved within one week after submitting the application. The loan review of new houses is faster than that of second-hand houses, and new houses can generally be approved in 3-5 days. The review time of provident fund loans is a little longer, generally about one month, and it will be approved within three months at the latest.

Third, the next time to pay the housing loan.

After the housing loan is approved, the next payment time is faster. Under normal circumstances, the loan will be released within 1-3 days after approval. Of course, there will be some special circumstances, such as negotiating with the developer to lend money at a special time. Various taxes and fees for buying a house are also a big expense.

Summary: The time for housing loan approval is long or short, but the longest time will not exceed 3 months. If you don't receive any notice after this time, you can apply for a loan directly from the bank, and you can call the bank for advice. If you apply for a mortgage from a bank that cooperates with the developer, you should ask the developer's staff as soon as possible.

Why do you need a loan to buy a house?

First, currency depreciation and inflation, coupled with the appreciation potential of the house itself, loan to buy a house can be said to be the most convenient financing method. In fact, opening to the outside world is not necessarily the space for financial appreciation. But in general, it is also good to buy a house with peace of mind, save some spare money or make other investments. Therefore, the core of diversified loans is long-term loans for housing loans, which will dilute our loan costs over time and ensure our income and smaller payments with the rise of housing prices.

Second, for banks, housing loan is not a profitable loan, but most property buyers like to repay in advance when they have money. This reduces the risk of high-risk loans. For the advance payment, the buyer is actually very poor. If the loan of 20-30 years is paid off after 5 years, the interest paid is equivalent to the annual interest rate of about 9%. This gap is very large.

Third, more loans will increase the pressure of repayment in the future and reduce the pressure of down payment. The loan is long-term, but the down payment is short-term, whether by borrowing or other means. This is a direct way to increase short-term economic pressure, while long-term loans gradually reduce the pressure with the increase of income. Therefore, in the face of declining pressure, buyers should make more use of housing loans.

Fourth, of course, in the face of real estate loans, buyers should do what they can. Although the real estate loan is a rare preferential loan, it should follow the buyer's own repayment ability in the future. After all, the best is right, not necessarily the best.

For people engaged in industrial enterprises, on the one hand, there is bound to be a demand for enterprise funds, on the other hand, there will be a certain accumulation of industry resources and experience, and the income will naturally be much higher than the cost of housing loans, many of which can reach the annual income, and some industries can even reach it more than once. Depending on this condition, the more loans, the better.

How long can the mortgage be lifted?

First, how long can ordinary banks approve mortgages?

General bank loan approval is about 15 days. In case of policy change, the time can be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not 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 need to sign a contract with you; After the contract is signed, CCB will issue loans according to the contract when conditions are met.

It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage; Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete. If the time is too long, the customer had better consult the bank, and the bank will tell you if there is any problem.

2. The down payment on the house has been paid, but what if the bank doesn't approve the loan?

You can return a house if the mortgage loan cannot be handled, but you should investigate the different responsibilities of the buyer and the seller according to the reasons. The situation is as follows:

1. The mortgage can't be done because of the developer. For example, if a developer fails to obtain a pre-sale permit or sells an existing house that does not have the conditions for use, resulting in the bank not approving the loan, the buyer can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

2. If the information provided by the buyer is untrue or the credit history is bad, the bank may refuse to lend or return the house, but the buyer shall bear the liability for breach of contract and compensate the developer for the corresponding liquidated damages.

3. If the loan cannot be obtained due to policy changes or bank regulations, the buyer shall negotiate with the developer to return the house. If negotiation fails and there is no agreement in the contract, the buyer can prove that he is not at fault and is really unable to buy a house, and ask the developer to return the down payment and deposit.

In mortgage to buy a house, banks will examine the qualifications of applicants, and if they find that they do not meet the requirements, they will often not lend money. Of course, it may also be because developers and banks do not lend. In these cases, both parties can negotiate to terminate the purchase contract, and at the same time, they can also hold each other accountable.

How long does it usually take to get a house loan?

About 15 working days.

It takes about 15 working days from application to loan. Buying a house loan, the whole process is about 20 jobs; When looking at the house, the buyer and the seller reach an agreement to pay the house purchase deposit: 1 day; Submit loan application and sign loan contract: 1 working day; Real estate assessment and third party guarantee: 1-2 working days; Bank approval: 5 working days; House transfer, down payment: 1 working day; Pay taxes and get a new real estate license: 4 working days; The bank receives the loan contract and mortgage registration: 3 working days; Bank loan to the seller, property delivery and final payment: 3-5 working days.

What if the mortgage is not approved?

There are many reasons why the mortgage loan can't be done. In practice, different situations are handled in different ways. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is the most important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved.

1, the seller's reason.

In the new house transaction, if the developer sells a house that is not qualified for sale, that is, the developer has not obtained a pre-sale permit or sold an existing house that is not qualified for use, the bank will not approve the loan when reviewing this situation. At this time, property buyers can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

In the second-hand housing transaction, if the loan of the house sold by the seller is not approved due to defects or mortgage seizure, or some people have objections, the buyer has the right to get back the deposit and down payment, and the seller can be held accountable.

2. Buyer's reasons.

Bad credit.

If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not grant the loan, and the buyer shall be liable for breach of contract.

Unable to pay the house price.

If the time agreed in the contract has passed and the buyer cannot pay the house price, it is a breach of contract and should bear the corresponding liability for breach of contract in accordance with the contract. Unless the sales contract stipulates an exemption clause on this issue, it is difficult for consumers to get a full refund.

break a contract

If you can't refund the full amount, how much money you can refund depends on the agreement in the contract between the two parties. In case of breach of contract, compensation shall be made according to the contract. If the liquidated damages are less than the paid house price, the seller shall return the remaining house price after deducting the liquidated damages to the buyer.

Whether the house can be resold.

Because reselling a house belongs to the transfer of creditor's rights and debts, it is only effective after obtaining the consent of creditors.

Is it possible to agree to postpone the loan?

If there is no agreement in the contract, the initiative to agree to postpone the loan is in the hands of the seller and can be resolved through consultation.

3. Non-buyer-seller reasons.

If the government's policies or bank regulations change, the loans that buyers should get cannot be realized, and buyers should negotiate with developers. If negotiation fails, there is no agreement in the contract. Property buyers can prove that they are not at fault and are really unable to buy a house, and ask the seller to return the down payment and deposit.