How long does it usually take for a bank loan to arrive?

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 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 does it take for a bank mortgage loan from application to lending?

Generally, it takes at least fifteen days from application to loan.

If there is no bank loan for the property: Yes.

1. Identity cards of the obligee and spouse.

2. The household registration book, fund and cash passbook of the obligee and spouse, and the application materials for housing mortgage loan, please provide the birth certificate.

If there is a bank loan for the real estate: Yes.

Property certificate (the property certificate and land certificate in the mortgage bank loan must be mortgaged to the bank).

2. If the owner of the real estate license has minor children, please provide the original loan contract and the latest bank statement.

3. In order to improve the pass rate of mortgage loan, please provide other family property certificates as far as possible, such as other real estate licenses and stocks.

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);

5. proof of income. This proof has a great influence on the success and maximum amount of mortgage bank loans.

Extended data:

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.

This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.

This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds.

Most borrowers of this kind of housing loan are individual residents, so it is impossible for banks to clearly know the borrower's financial strength and credibility, which increases the risk of bank loans, and mortgage loans provide creditors with an effective guarantee to recover loans just under the condition of high loan risk.

Therefore, most banks use mortgage loans when granting housing loans to individual residents. [