Second-hand housing mortgage, it takes about one or two weeks from submitting the application to the bank issuing the approval result, depending on the efficiency of the bank.
Second, the specific analysis
If the approval speed is fast, the result may be produced within one week; If the efficiency is slower, or something is delayed, it may take more time, maybe more than half a month, maybe a month or so, or even longer.
For example, if you apply for a mortgage at the end of the year, you may have to wait until the New Year and the approval will be completed at the beginning of next year. There is often a phenomenon of waiting for a loan. After all, bank funds are relatively tight at the end of the year, and year-end settlement is required.
In short, just wait patiently. After the approval result comes out, the bank will send a notice in time whether it passes the approval or not.
If the mortgage is approved successfully, after receiving the notice, you can go to the bank outlet to sign a loan contract and handle the mortgage and other related procedures in time. The bank will not lend money until all the formalities have been completed.
Online loan big data can clearly reflect the user's recent application for online loans, whether online loans are repaid on time, and whether identity information is suspicious. You can get a detailed risk report through credit inquiry tools such as "Xiaoqi Credit Check".
Third, the second-hand housing mortgage loan conditions?
Conditions for second-hand housing mortgage loan To apply for second-hand housing mortgage loan, you need to meet the following conditions.
1. Has a valid ID card.
When signing a loan contract, the lending institution will compare the identity information of the lender to confirm whether the lender is himself or not and whether he has full capacity for civil conduct.
2. Have a stable economic income.
Stable economic income is the guarantee of timely repayment. After applying for a loan, the lending institution attaches great importance to the income.
3. Have good credit information.
Credit report is important information for applying for credit products. If there is something wrong with the credit report, it means there is a great credit risk. Even if there is a house as collateral, the lending institution may not necessarily lend money.
4. The mortgaged house has clear property rights.
For example, some formal lending institutions do not support secondary mortgage, so houses that are still paying mortgages cannot be mortgaged, which is the reason for unclear property rights.
5. Agree to use the house as mortgage and go through the mortgage formalities.
If you are unwilling to apply for mortgage or the house itself cannot be mortgaged, the lending institution will not agree to the loan application in order to ensure that its rights and interests will not be lost.
6. So the mortgaged house has certain value and liquidity.
Not all second-hand houses can apply for mortgage loans. If the mortgaged house has a low market value and lacks liquidity, then the lending institution will not make the next payment.
7. Its own debt ratio should not be too high.
The high debt ratio indicates that the debt pressure is high and the probability of overdue in the future is high.
It can be seen that it is not a very simple thing to apply for a mortgage loan with a second-hand house. You can consult several lending institutions to understand the specific loan policies and do your best to handle business in the later stage.