The loan time of second-hand housing loan is as follows: the bank reviews the loan process and time, and the following is the standard of Chongqing for reference: 1, submits the loan application and signs the loan contract: 1 day; 2. Property appraisal and third-party guarantee: 1-2 days; 3. Bank approval: 3-5 working days; 4, the house transfer, and down payment. It takes 4 working days to pay taxes and apply for a new real estate license. It takes 3 working days for the bank to get the loan contract and mortgage registration. 6. It takes 3-5 working days for the bank to lend money to the seller. The lending quota of each bank is systematically planned by the head office. If the allocated quota has been used up, the bank will slow down the review and wait until the next batch of planned quotas is in place before lending, because all commercial banks are supervised by the People's Bank of China, and all indicators must be implemented according to the requirements of the People's Bank of China.
How long has the second-hand house been approved for lending by the bank?
Under normal circumstances, it takes about 15 working days.
Second-hand mortgage: dealing with house purchase loan is one of the purchase procedures that many buyers need to face. Most property buyers know little about loans, so they waste their time in handling loans.
The first step: buy a house with clear property rights and choose a real estate transaction agency that can handle mortgage loan business to handle agency matters.
Step 2: The buyer and the seller must provide relevant information. Among them, the materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, proof of marital status, house purchase agreement signed by the buyer and the seller, income certificate of husband and wife (unit income certificate), other property certificates including deposit certificate and securities, and two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house sold, and proof of approval for listing.
Step 3: Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the house purchased. Attorney's fee.
Step 4: The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend.
Step 5: The buyer and the seller go to the real estate transaction management department of the real estate bureau where the house is located to handle the transfer procedures of the ownership of the house.
Step 6: After receiving the sales contract, send it to the bank, and the bank will transfer the money.
Step 7: Go to the Real Estate Bureau for mortgage registration, and the borrower will repay the interest on a monthly basis.
Housing loan:
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Mortgage Baidu encyclopedia
How long does it take for second-hand housing banks to lend money?
Compared with rough houses, second-hand houses are more affordable and are favored by many buyers. But when we buy a house, we often don't have that much money at hand, so we usually choose to apply for a housing loan from the bank. How long does it take for a bank loan to buy a second-hand house? Then let's take a look!
It takes almost one month from the second-hand house owner providing the bank staff with relevant housing information documents to the bank's final loan, which is aimed at the normal situation. However, due to the differences in the audit procedures of different banks in different places, in some places, it may even take three months for banks to lend money. If there is a problem with bank funds, there will be a delay in lending, which will lead to a longer time. Let's refine it:
Before the bank lends money, it needs to go through a series of procedures. First, the two parties to the real estate transaction, that is, the buyer and the seller, need to sign a housing loan contract at the loan bank. Then the loan contract needs to be reviewed by the bank staff and can be completed within seven working days. After the approval, the buyer needs to go through the relevant formalities at the local real estate department. Then four to five working days, property buyers can get a new property right certificate and take it to the bank to mortgage the house loan. Under normal circumstances, after waiting for five working days, the bank will automatically put the money into the buyer's or seller's account, and the whole lending process will be successfully completed here.
In fact, the length of bank lending depends on the progress of the property right change procedures of buyers, because only after handling the property right certificate and having the property mortgage, the bank will rest assured that the money will be credited to the corresponding account. This is also because the daily capital flow momentum of banks is very large. If the house is not transferred, there will be certain risks. Therefore, regarding how long the bank will lend money, this time is uncertain, depending on the progress of property rights processing.
I hope the above answers are helpful to you.
How long does it take for second-hand housing banks to lend money?
Buying a house with a loan has brought convenience to many property buyers with insufficient economic capacity. Buyers only need to prepare a down payment, and the rest can be paid by bank loans. Buyers only need to repay the monthly payment within the specified time, so how long will it take for the second-hand housing bank to lend money? Let's take a look with Bian Xiao.
First, how long does it take for second-hand housing banks to lend money?
It takes about 1 month for a second-hand house bank to lend money, because it takes a lot of time to buy a second-hand house and apply for a loan. It takes 1 day to sign a house sales contract, 1 day to apply for a bank loan, 3-5 days for real estate assessment, 5-7 days for loan approval, and 1 day for signing a loan contract and a house mortgage contract.
Second, what does the second-hand housing loan bank need to review?
1, natural conditions of the borrower
When a bank applies for a loan to buy a second-hand house, it will review the natural conditions of the borrower, including the borrower's name, age, occupation and other information, as well as the number of borrowers and the status of the second-hand house. Among them, applicants are required to be 18-65 years old, and 25-40 years old is relatively easy to be approved.
2, the borrower's solvency and guarantee
The borrower's solvency and guarantee ability are also the focus of bank audit. The first is solvency. The bank will audit the borrower's assets and income. , mainly to assess whether the borrower has repayment ability, and will comprehensively consider monthly income, annual household income, deposits, welfare, etc. The guarantee ability is generally to review the applicant's personal credit information. Generally speaking, applicants with good repayment habits will not be refused visas by banks.