When does ICBC's mortgage prompt complete the mortgage?

1. ICBC mortgage tips When will the mortgage be released?

1 week or so.

After the mortgage is approved, after the customer signs the loan contract and completes the mortgage registration procedures, the loan handling bank will generally lend money within one week, generally not more than one month (as for the approval and mortgage procedures,

Of course, sometimes banks are short of funds, and fewer customers apply for mortgages at the end of the year, just because banks have to make year-end settlement at the end of the year, and there is no loan quota at the end of the year, and then they lend money. What's worse, they have waited for three months.

Matters needing attention in ICBC mortgage loan

Property buyers should ask the credit management department if they can get a loan. If a person does not repay the credit card debt, etc. And the bad record exceeds the relevant regulations of the bank, he will get a loan.

Don't lose the total loan. The loan contract and iou signed by the bank with you are all important legal documents. As the loan term is the longest, please take good care of your contract and iou.

The above contents refer to Baidu Encyclopedia-Mortgage, and People's Daily Online-Bank mortgage lending is still in a state of tension.

Two. After the mortgage of 202 1 is completed, how long can ICBC lend money?

It usually takes 15-20 working days to complete the processing, and the cycle at the end of the year may be longer.

If an individual applies to a bank, he must prepare all the materials needed by the bank. Lending time, mortgage registration time and lending time are all fixed, and the speed mainly depends on the time of preparation procedures.

China Industrial and Commercial Bank Housing Mortgage Loan Handling Operation Process

1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. The loan granted with the approval of the bank, after completing all formalities, will be directly allocated by the bank to the borrower's transaction object or issued to the borrower according to the contract, and the borrower will pay it to its transaction object;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date.

5. loan settlement. Loan settlement includes normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

3. How many days does it take from mortgage registration to lending?

202 1 It takes about 10-30 working days for major banks to handle mortgage registration and lending. Bank loans not only need bank approval, it takes about 15 working days, but also need to be registered with the Housing Authority. If it is an existing house, the loan time may be lower. 202 1 It takes about 1-2 months from mortgage registration to loan release. If the house is used as collateral, it is necessary to evaluate the price and life, and the time that the lender needs to wait will be lengthened again. In the case of complete information, it takes about 1-2 months for the lender to submit the application, bank approval, housing authority registration and loan. If there is an error in the information of the approver of the loan shed reform in the approval stage, it is likely to take more than two months to dig the chain.

legal ground

Article 394 of the Civil Code of People's Republic of China (PRC) defines mortgage as the performance of secured debt. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

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4. How long will it take ICBC to complete the mortgage?

Usually about a month.