How long can a mortgage loan be released? What is the process of housing mortgage loan?

There are always all kinds of disputes related to real estate around people. In fact, in the eyes of investors, real estate is not a small income, and real estate mortgage can be said to have helped countless businessmen tide over the difficulties, so many people want to make full use of real estate mortgage to alleviate the current crisis. However, when mortgaging real estate, people need to know the specific handling process and master the whole process in order to obtain loans easily and quickly. So how long can the real estate mortgage be released? What is the process of housing mortgage loan?

How long can a mortgage loan be released?

It usually takes about half a month. Housing mortgage refers to the borrower's own or third-party property as collateral. And repay the principal and interest to the bank by stages with stable income, and mortgage the bank with its property certificate before paying off the principal and interest. If the buyer can't repay the principal and interest on time, the bank can sell the house to offset the debt. Mortgage housing loan actually refers to the variety of commercial housing that customers already have that can be listed and circulated with mortgage bank loans.

Assuming that all the information is complete, the procedures are complete, the loan reason is sufficient, and the mortgage loan process goes down quickly, which usually takes about 20 working days. During this period, it takes 12 working days to publicize the mortgaged house, which is indispensable. Banks have to go through the process internally, and generally don't give you loans, so it takes more than ten working days.

What is the process of mortgage loan?

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time. It should be noted that in addition to applying for small loans in rural areas, other types of loans also need to provide relevant information. It mainly includes: the basic information of the borrower and the guarantor; Correct the original unreasonable loan; List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee; Other relevant information, etc.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and the bank evaluates the applicant's credit rating. Handle relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After obtaining the mortgage certificate, if the loan is approved by the bank, after all the formalities are completed, the bank will directly transfer it to the borrower's transaction object or distribute it to the borrower in the form of transfer according to the contract, and the borrower will pay it to its transaction object.

4. Post-loan inspection. Follow-up investigation and inspection of the borrower's execution of the loan contract and operation.

5. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date. If the loan is to be postponed, it should be before the loan maturity date. The borrower needs to apply to the bank for loan extension, and the bank decides whether to extend the loan.

6. loan settlement. Loan settlement includes normal settlement and early settlement:

(1) Normal settlement: repay the principal and interest in one lump sum or settle the last loan on the loan maturity date;

(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.