How long can I borrow a mortgage?

If the property has no other mortgage and the credit is good, the general bank will lend money at least within 15 working days. Applicants need to provide ID card, household registration book and real estate license. If the property is mortgaged, additional proof of property and proof of income are needed. You need to consult the staff of the loan bank in detail about the loan quota ratio between the full house and the loan house. Real estate mortgage loan limit 1. Age limit: a natural person who has reached the age of 18 and has full capacity for civil conduct. 2. Difference restriction in real estate assessment: When applying for real estate mortgage loan, you need to provide an evaluation report, but the bank will also appoint an evaluation agency to re-evaluate the value of the mortgaged property. If there is a big discrepancy between the two, it is more likely to refuse the loan, because the bank thinks you are suspected of defrauding the loan. Simply put, the bank thinks that your house is not worth that much money, at least the value is less than the loan amount. 3. Restrictions on personal credit, such as unstable professional income, bad credit, inability to repay, etc. Even if you have a house, if your current job income is not so stable, or your credit information is not good, the bank can still refuse you. Think that your repayment ability is weak or not. ) 4. Lending behaviors that are not allowed by laws and banks. (For example, government welfare houses and properties investigated by judicial organs are not allowed. ) So much for the little knowledge about real estate mortgage. After all, it is your own house. If you have to use money, it is still not recommended that you use the real estate license to mortgage the loan. Expand data 1. Housing mortgage loan application conditions: 1. The nature of the house; Residential, office buildings, villas, commercial housing, cost housing, affordable housing (strict requirements for affordable housing), clear property rights within 20 years. 2. The mortgagor (normal age 18-65 years old) is in good health. 3. The Mortgagor has not participated in the credit investigation in the last 24 months. 4. The mortgagor can prove the source of repayment and other assets (certificates of deposit, two houses, stocks, funds, etc.). The actual use of funds is clear. Two. Preparation materials: 1. Original and photocopy of ID card and household registration book of borrower and spouse (if single, single certificate is required) 2. Proof and copy of the borrower's marital status. Family property and car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate). 4. Statement of personal main bank account in the last 6 to 12 months (with official bank seal) 5. Work unit income certificate 6. Proof materials such as family private lending bills. 7. Assessment report III. Housing mortgage loan process: 1. Submission 2. Sign the bank documents. Housing evaluation. Approved by the bank. Bank loan. Mortgage registration. Repay the loan on a monthly basis. Comment, share and report on the quality institutions of Sohu. Answer 020- 10-0 1 Baidu authentication: the official account of Beijing Focus Interactive Information Service Co., Ltd., which is pioneering in the financial field. Pay close attention to the real estate license after the fastest transfer of commercial loans 15-20 (the issuance time of real estate licenses in each urban area is different); 15-20 Real Estate Certificate of Sunrise after the fastest transfer of provident fund loans in the city (the issuance time of real estate certificates in each urban area is different); After the transfer of the national provident fund loan, real estate licenses will be issued for 15-20 jobs (the time for issuing real estate licenses varies from city to city).