Buying a house loan usually takes about 20 working days, except for the so-called working days, which are legal holidays, so it usually takes about one month. Because it has to go through loan application, bank investigation, bank examination, bank approval, contract signing, mortgage (pledge) registration, loan issuance, loan payment and other processes.
1. If you need to apply for a mortgage to buy a new house, and the property has been pre-sale certificate, as long as you apply to the bank, the bank will check your credit record with the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit a copy of your license, income certificate, down payment documents and other related documents, and sign relevant bank documents and loan contracts.
2. After collecting all the information, the bank conducts internal examination and approval, and then goes to the housing management transaction to go through the mortgage registration formalities, which takes about 10 working days. After the transaction is issued with other warrants (real estate registration certificate is issued by the city where real estate registration is implemented), the bank will lend money within 3 working days.
How long does it take to approve the house loan?
Housing loans can generally be received within 20 working days, but the specific needs are subject to the regulations of various banks. When buying a commercial house, it takes about half a month to a month from the submission of materials to the bank loan if commercial loans are used, but if provident fund loans are used, the progress of loan processing will be slower. What are the precautions for buying a house with a loan?
1, not everyone can borrow it for 30 years.
As we all know, as far as housing loans are concerned, the longest loan term is 30 years, and at the same time, the requirement that the sum of the term of housing loan and the actual age of the borrower should not exceed 65 years old should be met. In fact, this also tells us that not everyone can borrow it for 30 years. For example, if you are 45 years old, according to the above regulations, your loan period can only be 20 years at the longest.
2. The provident fund should have a balance.
It must be noted that although some cities can already apply for withdrawal of provident fund, it is necessary to ensure that the provident fund has a balance and the provident fund account cannot be cleared. Once there is no money in your provident fund account, your provident fund loan quota will be gone, and you can't apply for provident fund loans.
It is best not to resign before buying a house.
When approving the application materials of loan applicants, banks need to comprehensively consider the financial ability level of lenders, and banks will measure them from many aspects such as job stability, income stability and growth trend. If you resign before buying a house, it is likely to increase the difficulty of the loan and affect the progress of the loan. Therefore, it is best not to resign before buying a house in order to get a loan smoothly.
4. Prepare a beautiful bank statement.
When applying for a loan, the bank will ask the applicant to prepare a bank statement, usually for more than 6 months, to assess the applicant's repayment ability.
If you feel that your running account is not ideal, you can deposit more money in the bank account six months in advance, or provide other financial proof. Of course, if you are married, you can provide a running account of both husband and wife, and proof of property under your name is also possible.
5. Average capital reduces interest expenses.
At present, there are two main repayment methods of bank loans: equal principal and interest and average capital. Matching principal and interest refers to repaying the same amount of loans (including principal and interest) every month during the repayment period; In the average capital, the total amount of loans is divided equally during the repayment period, and the equal principal and interest generated by the remaining loans in the current month are repaid every month.
The monthly repayment amount of equal principal and interest is the same, while the average capital repays the most in the first month, and then decreases month by month. If you are rich, it is recommended to choose the method of average capital to reduce all interest expenses. On the contrary, you can choose equal principal and interest, although the interest paid in the early stage is more, but the financial pressure will be less.
How long does it usually take to buy a house with a loan?
When buying a house in a bank and applying for a mortgage, it usually takes 1-2 weeks to lend money when all the information is complete and approved. Generally, it will not exceed 15 days, depending on the efficiency of the handling bank. If it is not the end of the year, the loan will be faster.
It takes 15 working days for individuals to apply for provident fund loans, and 10 working days for loan approval and mortgage; Generally, portfolio loans range from 15 working days to 1 month; The approval time of general commercial loans is about 5-7 working days after face-to-face signing, and all documents are complete. If the time is too long, the customer had better consult the bank, and the bank will tell you if there is any problem.
The conditions for applying for housing mortgage loans are:
1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
The information required to apply for mortgage loan for house purchase is as follows:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Extended data:
Matters needing attention in mortgage to buy a house
1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.
Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.
4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.
Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral.
6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.