1. Buying a house and applying for a mortgage at a bank. If the loan information is complete and approved, it usually takes 1-2 days. Generally, it will not exceed 15 days. It depends on the efficiency of the handling bank. , if it is not the end of the year, the loan will be released relatively quickly.
2. It takes 15 working days for personal provident fund loans to be approved, and 10 working days for mortgages; portfolio loans generally take 15 working days to about one month; general commercial loan approvals It takes about 5-7 working days after the interview and all documents are complete. If it takes too long, it is best for the person concerned to go to the bank for consultation. If there are any problems, the bank will inform you.
What is the process of buying a house with a mortgage loan? 1. The handling agency writes and submits a report for review
Generally, after we go to the bank to apply for a mortgage and submit the materials, we do not immediately enter the approval process. The bank In addition to sorting out the materials you provide, your account manager must also check and print other ancillary information (such as information system inquiries for dishonest persons subject to enforcement, personal detailed credit reports, personal risk rating sheets, etc.), and then write a review report , submit it to the reviewer for review—signature of the person in charge of the operating organization—to the credit review department of the branch.
2. Review by the Credit Review Department
After receiving the materials submitted by the institution, the Credit Review Department will review them in accordance with the relevant regulations of the bank. If there are any questions or omissions, the operating agency will make supplements. If the materials do not meet the requirements, the materials will be sent back to the operating agency (generally not, the agency will review it by itself when submitting). After the review is complete, the reviewer will issue a review opinion and submit it to the person in charge of the review department for review. .
3. Approval
After the review by the person in charge of the credit review department is correct, it will be submitted to the leader in charge of the branch for approval. Normal leaders will directly approve it after seeing it, and rarely reject it. This is usually within three days.
4. Loan lending
After approval by the leader in charge, the review department can issue a notice of approval and submit the materials to the operating agency. At this time, the account manager can get the relevant materials. The loan center applies for a loan.