1. The borrower needs to submit a loan application, and the buyer and the seller need to sign a house sales contract, which takes one day.
2. After receiving the loan application, the bank needs to verify the relevant information submitted by the borrower, and also needs to make an appointment with a cooperative real estate appraisal agency to evaluate the value of the house.
It will take a day.
3. The real estate appraisal agency needs to spend 3-5 working days to give the appraisal report of the house, including the value of the house.
4. After entering the formal loan approval process, it takes 5-7 working days.
After the loan is approved, the borrower needs to go to the bank to sign the loan contract and real estate mortgage contract, and the formalities such as face-to-face signing can be completed in one day.
6. After that, the borrower needs to register the house mortgage, which takes about 7 working days.
7. Bank loans are usually completed within 5-7 days.
Generally speaking, if there is no accident during the period, it takes 1 month to complete the second-hand housing loan.
If the borrower's information is wrong, the running water is not enough, and the house is damaged, the loan time will continue to be delayed.
If the bank loan amount is insufficient, it is also possible to wait for more than three months before lending.
If you don't know about your own big data on the Internet, you just need to search: Sixi data, click Query and enter information, and you can find your own 100-line credit data. However, with the establishment of Baixing Credit Information, almost overdue online loans will affect personal credit in the future. You must pay attention to your ability when borrowing money.
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Precautions for second-hand housing loans?
Second-hand housing loans need to pay attention to the following matters.
1, Shenzhen Loan Bank
When applying for second-hand housing loans, we must pay special attention to the banks that apply for loans.
Not only the loan term, but also the number of bank outlets and the convenience of repayment should be considered.
Some joint-stock commercial banks may have more restrictions on second-hand housing loans.
Borrowers are advised to know more about several banks when choosing a loan application bank, and finally choose the one that suits them best.
2. Repayment method
At present, the repayment methods of major banks are mainly equal principal and interest repayment method and average capital.
The average capital divides the loan principal equally according to the total number of repayment months, plus the interest of the remaining principal in the previous period, which forms the monthly repayment amount.
Different repayment methods will lead to different loan interest.
When the borrower chooses the loan application method, it is best to evaluate his current income ability and future economic situation.
If possible, it is best to keep the monthly payment below half of the monthly income.
3. Pay attention to housing property rights
The bank has strict regulations on the age of second-hand houses. If you are too old, the loan application is likely to be rejected by the bank.
Some banks require that the combined age of second-hand houses and loan time should not exceed 30 years, and some directly stipulate that the age of second-hand houses should not exceed 15 years.