How long will the mortgage be approved?

Question 1: How long will the loan be released after the mortgage is approved? Generally, after the contract with complete information is signed, the approval period is about 10 days, then the mortgage registration is about 1 week, and the final loan is about one week.

Personal housing commercial loan process

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral, and re-apply for mortgage registration after the purchased housing is completed and the property right certificate is obtained;

Secondly, information must be provided.

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. The commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4. Proof of income of the purchaser (provided by the bank and placed in the sales office);

5. If the borrower is a legal person, it shall carry a valid Business License for Enterprise as a Legal Person or Business License for Enterprise as a Legal Person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

6. The developer's collection account number is 1 copy.

Three. General commercial terms

1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) of 65 years old and (female) of 55 years old in principle;

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).

Fourth, the housing mortgage loan process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social reputation, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;

3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;

7. Handling of problem customers:

(1) If the purchaser at the application stage applies for canceling the mortgage loan for his own reasons, the purchaser shall pay off the balance in one lump sum within 20 days from the date of cancellation;

(2) If the loan amount finally approved by the bank does not reach the total mortgage amount, the purchaser shall make up the balance within 10 days from the date of bank approval;

(3) If the bank mortgage loan is not approved due to the buyer's own credit, identity, repayment ability and other reasons, the seller will not return the house. According to the actual situation, if the first choice is to adjust the loan bank to apply separately, but it has not been approved, the purchaser may apply to change the purchaser and change the contract purchaser into a related person with family or relatives. The marketing department shall timely apply for dissolution of the commercial housing sales contract and re-sign the contract. If the purchaser refuses to change the contract, he shall propose it on the day when the bank mortgage loan is not approved ... >>

Question 2: How long can the loan be released after the mortgage is approved? You must get the contract before the monthly payment.

Ask the bank directly, because you signed a loan contract with the bank. As a party to the contract, you should have the original contract.

The general operation of mortgage is that after lending, the bank will give mortgage information (such as loan contract and repayment passbook). ) belongs to the borrower to the developer to the borrower! If you can't get the contract, you can ask the bank directly. It should be the bank's responsibility that you didn't receive it, not yours! ! If the bank can't solve this problem, you can complain to the industrial and commercial department or the local people's bank! ! The loan contract is generally in quadruplicate, one for the bank, one for you and the real estate company, and one for mortgage registration. If there is no loan contract, there are two possibilities: first, the bank may only give the developer two loan contracts, and the developer holds one and the other mortgage. Of course yours is gone! Another possibility is that the bank gave three copies to the real estate company, and the real estate company may have lost one, so the contract is not yours! ! Anyway, you should have a loan contract, that's for sure.

When the developer receives all the house payment, you can ask the developer to issue a formal purchase invoice, and at the same time ask for a formal invoice for deed tax and maintenance fund.

Question 3: How long the mortgage is approved depends on the speed at which you submit the information. Did you make it yourself or did the developer help you? Developers will be slower, but save things, don't worry. It will be faster if you do it yourself, because there is only one person. But going to the bank by yourself, a lot of formalities, will be very annoying. Generally, if you have complete information, the fastest time for bank approval and investigation is 15 days, and the slower time is more than a month.

Question 4: After submitting the application, how long will it take to pass the examination and approval? Generally, it takes 7 to 10 working days after submitting the application. The slow time is generally 15-20 working days.

Question 5: After the mortgage loan is approved, how long does it take for the lending bank to apply for mortgage loan or mortgage loan? The cycle is usually one month. If there are many bank lenders, the application time may be delayed to one and a half months or even two months.

Loan preparation materials: Lender's (husband and wife's) ID card, household registration book, marriage certificate, income certificate, bank account number, property right certificate and land certificate. If there is no problem with the lender's (husband and wife's) credit information, the bank will accept the loan.

After the information is submitted to the bank, the bank's risk control will call back, usually the company's landline or personal phone.

Approval is usually completed within 3 working days after telephone call back. After the approval, the bank will call you and tell you when to go to the Housing Authority for mortgage registration. After the mortgage is completed, the bank will issue the loan to your receipt card within 2 working days.

Question 6: How long after the new house loan is approved? After the new house loan was approved, the first step of the Long March was completed. Later, the procedures were mainly to pay personal income tax and deed tax, depending on the efficiency of the local housing authority. The Housing Authority works from nine to five. It took me about a month and a half to complete the online signing, tax payment, real estate registration and other businesses. It took five working days to release the loan. It takes about two months to complete the whole set.

If the real estate development company handles it centrally, it may be faster.

Question 7: After the mortgage is approved, how long can it be released? Who can talk about the personal housing loan handled by China Merchants Bank? If the application materials you submit are complete, the approval will take about 15 working days, and the situation of each customer will be different, because it involves evaluation and mortgage registration. The specific lending time, processing progress and other related information of the loan can be directly confirmed by contacting the handling outlets or loan account managers.

In addition, if you have submitted a loan application at China Merchants Bank, you can also log in to mobile banking to check the loan approval progress: 1, Home-Loan-Loan Progress Query; 2. My loan-inquiry-loan progress inquiry; 3. Assistant-borrowing money to do business-loan progress inquiry.

Question 8: How long can the loan be released after the mortgage is approved? After the approval of 20 17, the loan will be released in about one or two months. You can ask the bank staff.

Preparation materials for real estate mortgage:

1. ID card;

2. Marriage certificate;

3. Real estate license (big red);

4. proof of income;

5. Banks are flowing.

Question 9: How long does it take for a mortgage to be approved and issued? Generally speaking, it takes 15-20 working days to apply for a housing loan from a bank. Loan approval process:

(1) Credit personnel of the handling bank-head of the credit department-head of the handling bank within the approval authority of the handling bank

(2) Approval of the handling bank beyond the approval authority of the handling bank-report to the superior bank for credit approval authority. After investigation by the agent, he will explain the situation on the Approval Form of Personal Housing Loan of China Construction Bank and write the review opinions, and hand over the Loan Approval Form and the approval materials to the person in charge of the credit department, who will sign the approval opinions on the Approval Form and hand them over to the president in charge of the branch for approval. Beyond the approval authority of the branch, the branch shall sign the opinions and report to the credit approval authority of the superior bank for approval.

Question 10: How long will it take to get the second-hand housing loan after it is approved? It has nothing to do with approval.

Approval only means that new buyers are eligible for loans.

Real loans will issue new property certificates after the real estate bureau completes the transfer procedures.

Then the new buyer takes this new warrant to the real estate bureau for mortgage procedures.

Within three working days after the formalities are completed, the real estate bureau will issue a certificate of his rights.

At this time, the intermediary company should urge the bank to go to the real estate bureau to get his warrant.

The bank will lend money on the second day after getting his warrant, usually within three working days.

One month after the approval, it is reasonable to say that the formalities of the real estate bureau are almost finished.

Ask the agent first. What's the procedure? If the new certificate is in the hands of the intermediary, it is only a matter of time.

If the new certificate is in the hands of the new buyer, there will be certain risks, because he is now the property owner, as long as he has the certificate.

You can take it as collateral yourself.