After disbursing the mortgage, you need to go to the sales department to get the purchase invoice and purchase contract. It should be noted that after completing the mortgage registration procedures for the property at the bank, the borrower must remember to go to the bank to get the original property certificate. After the mortgage loan is disbursed on time, the mortgage applicant must repay the mortgage in full and on time to avoid affecting the personal tax. letter.

How long does it take for housing loan approval to be disbursed?

1. Housing provident fund loan disbursement is slow. Individuals apply for housing mortgage loans. Because the interest rates of individual housing provident fund loans are low, many people like to apply for this type of loan to buy a house. However, at the same time, the disbursement time of this kind of housing loan is slow, and it usually takes about 1-2 months to disburse. If it is slower, some areas will have to wait 6 months.

2. The commercial housing mortgage loan is about 1 month. Most applications for housing mortgage loans are commercial loans from banks, and the disbursement time for such loans is faster than housing provident fund loans. At present, the lending time of many banks is about one month. Some banks lend money for shorter periods of time.

3. If you want the bank to release the loan faster, you can release the loan with the receipt. The loan can be released within 3 working days after the transfer. A guarantee fee of RMB 400 is required. If you apply for a loan based on other certificates, it usually takes 15 to 22 working days to get the birth certificate, and the bank will lend money 3 to 5 working days after the birth certificate is obtained.

What is the bank mortgage loan approval process?

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 institution will be asked to supplement the materials. If they do not meet the requirements, the materials will be returned to the operating institution (generally not , when the organization submits the application, it will review it by itself first). After the review is complete, the reviewers will issue review opinions and submit them 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. It is rarely rejected. This is usually within three days.

4. After the loan is approved 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 take the relevant materials to the loan center to apply for loan.