It's really hard to say, depending on your enterprise strength, guarantee method, loan amount and mortgage time, because it involves formalities. If the loan amount exceeds the authority of the approving bank, it will take a long time to report to the superior bank for approval. Under normal circumstances, the fastest loan I can get is one week (the enterprise is better) and the slowest is more than one month.
Second, how long does it take for an enterprise to apply for a loan from a bank to lend money?
There is no fixed time, it depends on whether the information you provide is complete and your credit rating, and then the loan amount. If it exceeds the authority of applying for a bank, it needs to be reported step by step. If banks at all levels have insufficient information during the examination and approval process, they need to supplement it. If you have different opinions or questions at the loan review meeting, you need to explain after the meeting, and it will take a long time to attend the next meeting. But banks at all levels have weekly loan review meetings.
3. Now the loan contract is signed after the approval of the bank loan. How long will it take for the loan to be released?
The process of mortgage loan is as follows: banks usually handle mortgage loans or mortgage loans 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. 4. How long does it take for a bank mortgage loan from application to lending?
It takes about 22-25 working days, and the specific lending time is subject to the local bank.
Process of handling mortgage to buy a house loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.