How long did it take to sign the mortgage in person?

After the face-to-face signing of the mortgage, it usually takes about 5 days to receive the notice. If you haven't received any notice for more than 5 days, please contact the loan bank for consultation. After the face-to-face signing is passed, the bank will arrange the loan as soon as possible. After the money arrives, the user can repay the loan on time according to the loan contract. For the loan, the application is successful only if the funds arrive successfully, and there may be some variables before the funds arrive.

What should I pay attention to in the face-to-face signing of housing loans?

1, income certificate

The official seal of the unit or the seal of the human resources department cannot be altered, and the income certificate must be more than twice the monthly payment, otherwise the loan amount will be affected. If the income is not enough, you can increase borrowers. If there are other loans that have not been paid off, the income certificate must be more than twice the sum of the monthly repayments of all outstanding loans before it can be approved.

2. If you get married,

Both husband and wife should be present, with household registration book, marriage certificate, education certificate, income certificate, running water, copy of business license with official seal, bank card, etc.

3. If you are unmarried.

ID card, household registration book, education certificate, income certificate, running water, copy of business license with official seal, bank card.

4. If it is a second suite.

Need to provide the real estate license and loan contract (settlement certificate) when buying a house.

5. Sign the contract online

At present, it is necessary for all banks to review the online signing contract, so the online signing contract must be provided. The bank approves the loan amount according to the principle of lower house appraisal value or online contract price.

What is the process after the mortgage signing?

1. After signing the payment in person, if you apply for a credit loan, you can directly sign a loan contract with the bank, and then wait for the bank to lend money, and the money can be used when it arrives.

2. If you apply for mortgage loans, such as mortgage loans and car loans, you need to go to the local housing authority and vehicle management office to go through the mortgage formalities and pay the down payment after signing the loan contract, and then you need to apply for relevant insurance. After these procedures are completed, the bank will lend money.

What questions will be asked when signing the mortgage face to face?

1. The number of family members, work and health will be consulted during the interview.

2, the lender's monthly income and expenditure, whether there is the ability to repay the loan.

3. I will also consult the lender's personal credit information to see if there is any record of overdue repayment.

4. Understand the working experience and position of the lender.