Generally speaking, the approval time of mortgage is about 15 days. Usually our loan approval is 15 days. In case of policy change, the time can be extended to 1 month. Of course, when banks are short of funds, loans also need to be queued. Then the loan time will be further extended.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
Loan application information:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
note:
1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;
2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;
3. Guarantor;
The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.
It usually takes about 1 month to get a loan.
Loan amount:
1. residence: the maximum loan amount can reach 70%-80% of the appraised price;
2. Apartment: The maximum loan amount shall not exceed 60% of the appraised price;
3. Villa: The maximum loan amount shall not exceed 70% of the appraised price;
4. Commercial house: The maximum loan amount shall not exceed 60% of the appraised price.
How many days can the bank loan be approved?
Credit loans can generally be approved in 5-7 days; Mortgage loan will involve more processes than credit loan, and it usually takes 15-20 working days to complete the approval; However, housing loans will be affected by local policies. If the current bank lending is tight, it will probably take 1 month or several months to complete the approval.
At the same time, the approval time of bank loans will also be affected by the loan peak season and low season. If it is the peak season, the loan approval will be relatively slow, while in the off-season, because there are fewer applicants, the approval speed will be much faster.
Extended data:
Matters needing attention in bank loans
1. Apply for the loan amount according to your own ability.
When applying for a loan, you should have a correct understanding of your repayment ability, and at the same time make a correct and objective prediction of your future income and expenditure to avoid overdue due to your inability to repay the loan.
2. Choose the repayment method that suits you best.
Different repayment methods will lead to different interest payments. There are two common repayment methods for general mortgage: matching principal and interest and average capital. The advantage of matching principal and interest repayment method is that the monthly repayment amount is the same, and the borrower can arrange the family's income and expenditure in a planned way. However, the interest will be more. The advantage of average capital is that the interest paid is less than the matching principal and interest. As time goes by, the burden of repayment will become lighter and lighter, but the amount to be repaid in the early stage will be more.
3. Provide my information accurately and timely.
The address and contact information provided by the borrower to the bank must be accurate to facilitate bank contact. If there is any change, the borrower must contact the bank in time to inform the new address and contact information. The application materials provided to the bank should also be true and complete, otherwise it is likely that the loan will be rejected directly.
How long does it take for the bank to approve the loan?
According to different loan types, it usually takes about one month for banks to approve loans. Different loan types and different banks need different procedures and the complexity of approval is different, so the time required is different. Generally, the next payment of credit loans will be faster, about 10 days. And housing mortgage loans and the like are relatively slow, about 40 days.
The length of approval time for bank loans is related to many aspects, such as whether the materials submitted by the lender are complete and whether the amount of bank loans is sufficient. If you wait too long for approval, you can call the bank or loan manager.
In short, customers should wait patiently after submitting loan applications. If the audit result comes out, the bank will naturally inform the customer in time, regardless of whether the approval is passed or not. If the approval is passed, the notified customer will naturally go to the bank outlet to sign the loan contract in time, and the bank will only lend money after the relevant procedures are completed.
How long does it take to approve the bank loan?
About five working days.
In order to avoid risks, the bank's work is very rigorous, and the approver will re-examine the auditor's work. If there is no problem, the bank will inform that the loan has been approved, and the tax payment can be transferred, which usually takes about 5 working days.
If the original owner does not have a loan, he will pay taxes and transfer the mortgage property certificate after approval, and the bank will lend money in about seven working days. If the original owner has a loan, he needs to apply to the loan bank for early repayment after signing the contract. Time depends on the bank itself. Some owners need a month to pay taxes and transfer mortgage property certificates after the loan is paid off.
Matters needing attention in housing loan
Apply for a mortgage according to your ability: some users will think that the larger the loan amount, the better. Actually, that's not the case, because after you get the mortgage, you have to pay it back and you have to pay interest. If the loan period is long and the loan amount is large, then it is necessary to pay more loan interest and increase the repayment pressure.
After the loan application is approved, the buyer can repay the loan every month. Then, if you encounter difficulties and can't repay the loan on time, the buyer can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.
For the above contents, please refer to People's Daily Online-How long will the loan be approved (Chengdu Bank).
How soon can the bank loan be approved?
Generally speaking, the time for banks to approve loans will not exceed one month. For each loan product, due to the different materials that the lender needs to prepare and the different number of applicants, the time for loan approval will be different, which depends on the approval efficiency of the bank.
For example, car loans, because the amount involved in car loans is generally small, and there is a vehicle mortgage, the bank's review time will not be too long. Generally, the audit results and even the next payment will be issued within one week, which is more convenient.
Mortgage is a little more troublesome, involving much more information than car loan. The bank will review the developer's information and the lender's information, which takes a long time. Generally, within two weeks, the lender will be informed of the audit results.
The review time of credit loan is the shortest, and the bank's credit review of the lender is very fast, even on the same day. If it passes the lender, it can get the loan on the same day. However, there is no collateral for credit loans, and banks have high requirements for customer qualifications.
First, bank loans need to prepare the following materials.
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
Second, the credit conditions of bank loans
Bank loans generally need to be secured, mortgaged, or income proof and good personal credit information before they can apply.
1. credit line: the credit line is the maximum amount that the borrower is allowed to borrow as stipulated in the agreement signed between the borrower and the bank.
2. Revolving credit agreement: Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.
3. Compensatory balance: Compensatory balance refers to the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).
How long does it take to approve the loan?
The specific time of loan review varies from person to person, and there is no relevant document requiring the lender to complete the loan approval within a long time. You can borrow money from banks or third-party lending institutions.
When a bank applies for a loan, the department in charge of lending in the bank will conduct a detailed examination of the loan applicant, and only those who pass the examination can get a loan. The time for banks to review loan applications usually depends on whether the application materials of loan applicants pass the customs clearance. It usually takes at least 20 days from loan application to approval.
If the institution applying for a loan is a third-party online lending platform, the time for loan approval will be shorter. Third-party online lending platforms are usually not as strong as banks, so in order to improve user satisfaction, third-party online lending platforms will speed up loan approval.
The approval speed of third-party network platforms is also different, some can be completed within one day, and some can be completed in one second. The third-party network platform has a small loan amount, high overdue liquidated damages and overdue interest, and the way to collect arrears after overdue is relatively direct.
No matter whether you are lending on the online platform or the third-party lending platform, you should evaluate your repayment ability when applying for a loan and make a loan within the scope permitted by the conditions.