The normal time is about 1 month, and there is no specific time limit. It is estimated that because you are a second-hand house mortgage, banks are busy handling the real estate mortgage of developers, and their biggest income comes from the real estate mortgage of developers. With so many mortgages in a community, the benefits can be imagined. Since you are a second-hand mortgage 1 owner, the procedures such as natural audit will be put aside with you. I think so. All you have to do is call to urge. Since there is no problem with credit standing, I am sure I can get the loan, so I have to push it hard. Banks also hope to lend to customers with good credit and will not refuse to lend to you. A phone call every day, it is estimated that you will be able to come down soon.
Second, how long does it take for the guarantee institution to approve?
Legal analysis: it usually takes about 40 ~ 60 days. The examination and approval department shall make a decision on approval or disapproval within forty working days from the date when the applicant reaches the examination and approval score line; If the examination and approval cannot be completed within the prescribed time limit due to complicated circumstances, it may be extended for 20 working days with the approval of the person in charge of the examination and approval department.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 681 A suretyship contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the liability when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.
Article 682 A suretyship contract is an accessory contract to the principal creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law.
If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.
3. How long is the warranty review?
5 working days.
Guarantee audit is to review the guarantor's guarantee ability. Lending banks are obliged to examine their guarantors, including their qualifications and guarantee ability. If the bank issues loans, the bank should also fulfill its supervisory obligations to the guarantor. Guarantee can be divided into general guarantee and joint liability guarantee. The law can enforce the joint and several liability guarantee/according to the requirements of the parties/the guarantor can be executed first, or the borrower can be executed first or both, and the borrower and the guarantor bear the repayment responsibility. If the guarantor can't pay off the debt, the bank may apply for execution of the borrower; If both of them are unable to repay, the bank can declare for write-off, but once the borrower and guarantor are able to repay, if the litigation bank cannot give up, the bank can apply to continue execution until the loss is recovered.
4. How long does it take for the guarantee company to approve?
Legal analysis
The review time of the guarantor shall not be less than 15 working days.
the basis of law
People, defendants and their legal representatives, close relatives or defenders of the Criminal Procedure Law of People's Republic of China (PRC) have the right to apply for changing compulsory measures. The people's procuratorate and the public security organ shall inform the applicant of the change of compulsory measures and explain the reasons for not granting permission.