The housing loan bank succeeded in lending money in a few days.

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

1, it takes about 22-25 working days, and the specific lending time is subject to the local bank. Generally, it takes 4-5 days to prepare documents for approval, and it takes 2-5 days to obtain other rights certificates after approval (the time of housing management bureaus varies from place to place, depending on local conditions). After other rights are obtained, they will be sent to the accountant, and the money will be released 2-3 days later (there are many lenders, and the time is uncertain).

2. Bank mortgage loan

(1) The correct name of bank mortgage is house mortgage loan, which means that the property right of the house purchased by the buyer is used as collateral, and the bank pays the house price to the developer first, and then the buyer pays the principal and interest to the bank in monthly installments. The proportion of bank mortgage is usually between 50% and 80%, and the term varies from 1 to 30 years. Bank mortgage is the most effective means to promote the real estate market to be active.

(2) concept:

First, it is divided into first-hand mortgage and second-hand mortgage. First-hand mortgage loan means that the applicant (buyer) pays the down payment by himself when purchasing the property from the real estate agency, and the rest is loaned by the bank, and the principal and interest are repaid in installments with the purchased property rights as collateral.

B second-hand housing mortgage loan means that when the borrower (purchaser) buys a house with legal and complete property rights (property right certificate has been obtained) from the seller and can be listed and circulated, he will pay the down payment first, and the rest will be loaned by the bank, and the principal and interest will be repaid in installments with the purchased property rights as collateral.

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 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 as housing prices rise.

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 for a mortgage to be approved?

After applying for a mortgage, some netizens said that they had not made a loan within 7 months. Some netizens said that the loan they applied for last Wednesday has already been released next Tuesday, and all the processes have been reviewed in just five working days. So why is bank lending sometimes fast and sometimes slow? Generally speaking, how long does it take to get approval after applying for a mortgage? The following small series will give you a brief explanation on this issue. After applying for a mortgage, the approval process will generally take 15 to 20 days, and the mortgage will generally be approved after 15 to 20 days. If your mortgage has not been approved for a long time, for example, some netizens say that they have not got a housing loan within 7 months, then it is likely that their qualifications are insufficient. Of course, this also needs the bank to remind. When the bank feels that you are not qualified, it should also send you text messages in various ways. At this time, you should stop waiting and fill in your information immediately. Regarding the application and approval process of housing loans, I would like to give you a brief supplement here. When we look at the house, we want to buy it through a bank loan. First, we need to submit an application for housing loan to the bank. After submission, the bank will review our loan application, sign a loan contract with us after successful review, and finally the bank will give us a loan. In general, the bank will review our loan application within 15~20 working days. In order to further understand the progress of our application submission, we can also contact the bank at any time. Finally, the speed of bank lending is also closely related to the adequacy of bank funds. If the bank is short of funds, the bank will lend more slowly. This time also needs us to wait.