After the loan application and loan contract are signed, the loan is generally released within 10-22 working days.

1, buying a new house is nothing to you. This is a problem between developers and banks. If you buy a second-hand house, it depends on whether it is through a guarantee company. If you go through the guarantee company and see the room ticket, you can lend money. If you don't pass the guarantee company, you need to wait until the other warrants are completed.

Because each bank's approval process takes different time, different borrowers have different comprehensive qualifications, and the time to get the loan contract is uncertain. However, after signing the loan contract, the bank will generally release the loan to the borrower's account within 7 working days, and then the bank will inform you to start repaying the loan. When you repay the loan according to the contract, you can take your ID card to the bank to get the contract.

2. If you apply for a mortgage loan, the loan contract will generally be handed over to the developer, and then the developer will issue it to the borrower. In this case, the time when the loan contract can be obtained depends on the progress submitted by the developer and the time when you personally provide the information. If the developer wants to go to the real estate management bureau for filing, your contract may be sent to you after registration, because the last page of the registered contract has the official seal of the local real estate management bureau for filing and registration. If there is no chapter, it proves that the house has not been registered as a real estate.

The most effective way now is to see if you have an invoice or receipt when you buy a house. If yes, you can go to the local real estate administration for consultation with the purchase receipt to see if it is being put on record. If so, don't worry. If there is no record, you must go to the developer to make a copy, or sign an original for you.

1 Article 490 of General Principles of Civil Law of People's Republic of China (PRC) * * * If the parties conclude a contract in the form of a contract, the contract is established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.

2. A contract shall be concluded in written form as stipulated by laws and administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.

When can I get the loan contract?

1. When can I get the loan contract? Generally, the loan contract will be signed only after the bank loan is approved. Therefore, if I want to get the loan contract, I have to wait until the bank issues the loan to the borrower's account and the borrower has started to repay the loan normally, so I can go to the bank to get the loan contract.

2. Because the time required for the approval process of each bank is different, the comprehensive qualifications of different borrowers are different, and the time to get the loan contract is uncertain. However, after signing the loan contract, the bank will generally release the loan to the borrower's account within 7 working days, and then the bank will inform you to start repaying the loan. When you repay the loan according to the contract, you can take your ID card to the bank to get the contract.

3. If you apply for a mortgage loan, the loan contract will generally be handed over to the developer, and then the developer will issue it to the borrower. In this case, the time when the loan contract can be obtained depends on the progress submitted by the developer and the time when you personally provide the information.

Introduction of loan contract. Loan contract is a form of economic contract. That is, the lender will deliver the money to the borrower for use, and the borrower will return a certain amount of money and interest to the lender on schedule in accordance with relevant regulations, and determine the rights and obligations between them. In order to ensure their own safety, the lender requires the borrower's financial status (especially its liquidity) to be at least as good as when signing the loan contract. The clauses listed in the loan contract to protect the interests of the lender are called protective contracts. The loan contract itself only means that the lender has the legal right to take action when the borrower violates the terms of the contract. Otherwise, the lender will be bound by its promised loan terms and will not take corrective measures before the contract expires.

2. use. The borrower shall use the loan for the agreed purpose and shall not use it for illegal purposes. The purpose of the loan agreed in the loan contract shall not violate the provisions of the state on restricting operation, franchising and prohibiting operation by laws and administrative regulations. Clarifying this clause can protect the borrower's right to use funds; For lenders, it can monitor the flow of funds, ensure the return of funds and control risks.

How soon can I get the loan contract after the grant?

0-3 days after taking the loan contract 65438+ appropriation. After the mortgage loan is approved, users can get the loan contract directly from the bank or by mail. Usually they can get it in 1-3 days. For the specific time, users are advised to call the bank for consultation in advance.

In addition, the general mortgage loan amount is relatively large and the repayment time is relatively long. Users must apply for a mortgage with a stable income and repay it on time after misappropriation, because the consequences of overdue mortgage are very serious.

When can I get the bank loan contract?

If it is a housing loan, you can usually get the contract after the loan is issued. The loan contract is generally in triplicate, one for the customer, one for the real estate bureau and one for the bank. Some banks even mail contracts to borrowers. If it is a personal loan, the contract can generally be taken away on the day of application.

In the process of housing loan, first of all, when the borrower applies for a loan, when filling out the loan application form, he should indicate the basic information such as the purpose of the loan, the loan amount, personal property, service years, loan type, collateral, repayment ability, work place and so on. Fill in the application form and submit the materials, mainly according to the loan type and the requirements of the bank. Mortgage mainly includes the borrower's certificate information, income proof information, credit status information, collateral information and guarantee information.

After receiving the application, the bank began to conduct a basic investigation on the borrower's loan situation. In principle, it depends on the borrower's willingness and ability to repay, and on this basis, the loan risk is evaluated. Then there is the evaluation, which is conducted by an evaluation agency recognized by the bank and produces a valuable evaluation report. After all formalities are completed, face-to-face signing will be carried out, and after signing the contract, the bank will transfer the money to the developer. At this point, the loan is completed and the applicant can get the contract.