How long can the mortgage come down? letter of consent

How long does it usually take to get a house loan?

About 15 working days.

It takes about 15 working days from application to loan. Buying a house loan, the whole process is about 20 jobs; When looking at the house, the buyer and the seller reach an agreement to pay the house purchase deposit: 1 day; Submit loan application and sign loan contract: 1 working day; Real estate assessment and third party guarantee: 1-2 working days; Bank approval: 5 working days; House transfer, down payment: 1 working day; Pay taxes and get a new real estate license: 4 working days; The bank receives the loan contract and mortgage registration: 3 working days; Bank loan to the seller, property delivery and final payment: 3-5 working days.

What if the mortgage is not approved?

There are many reasons why the mortgage loan can't be done. In practice, different situations are handled in different ways. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is the most important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved.

1, the seller's reason.

In the new house transaction, if the developer sells a house that is not qualified for sale, that is, the developer has not obtained a pre-sale permit or sold an existing house that is not qualified for use, the bank will not approve the loan when reviewing this situation. At this time, property buyers can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

In the second-hand housing transaction, if the loan of the house sold by the seller is not approved due to defects or mortgage seizure, or some people have objections, the buyer has the right to get back the deposit and down payment, and the seller can be held accountable.

2. Buyer's reasons.

Bad credit.

If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not grant the loan, and the buyer shall be liable for breach of contract.

Unable to pay the house price.

If the time agreed in the contract has passed and the buyer cannot pay the house price, it is a breach of contract and should bear the corresponding liability for breach of contract in accordance with the contract. Unless the sales contract stipulates an exemption clause on this issue, it is difficult for consumers to get a full refund.

break a contract

If you can't refund the full amount, how much money you can refund depends on the agreement in the contract between the two parties. In case of breach of contract, compensation shall be made according to the contract. If the liquidated damages are less than the paid house price, the seller shall return the remaining house price after deducting the liquidated damages to the buyer.

Whether the house can be resold.

Because reselling a house belongs to the transfer of creditor's rights and debts, it is only effective after obtaining the consent of creditors.

Is it possible to agree to postpone the loan?

If there is no agreement in the contract, the initiative to agree to postpone the loan is in the hands of the seller and can be resolved through consultation.

3. Non-buyer-seller reasons.

If the government's policies or bank regulations change, the loans that buyers should get cannot be realized, and buyers should negotiate with developers. If negotiation fails, there is no agreement in the contract. Property buyers can prove that they are not at fault and are really unable to buy a house, and ask the seller to return the down payment and deposit.

How long does it usually take for a mortgage to be approved?

After applying for a mortgage, some netizens said that they had not made a loan within 7 months. Some netizens said that the loan they applied for last Wednesday has already been released next Tuesday, and all the processes have been reviewed in just five working days. So why is bank lending sometimes fast and sometimes slow? Generally speaking, how long does it take to get approval after applying for a mortgage? The following small series will give you a brief explanation on this issue. After applying for a mortgage, the approval process will generally take 15 to 20 days, and the mortgage will generally be approved after 15 to 20 days. If your mortgage has not been approved for a long time, for example, some netizens say that they have not got a housing loan within 7 months, then it is likely that their qualifications are insufficient. Of course, this also needs the bank to remind. When the bank feels that you are not qualified, it should also send you text messages in various ways. At this time, you should stop waiting and fill in your information immediately. Regarding the application and approval process of housing loans, I would like to give you a brief supplement here. When we look at the house, we want to buy it through a bank loan. First, we need to submit an application for housing loan to the bank. After submission, the bank will review our loan application, sign a loan contract with us after successful review, and finally the bank will give us a loan. In general, the bank will review our loan application within 15~20 working days. In order to further understand the progress of our application submission, we can also contact the bank at any time. Finally, the speed of bank lending is also closely related to the adequacy of bank funds. If the bank is short of funds, the bank will lend more slowly. This time also needs us to wait.

How long does it take to buy a new house loan?

1. Generally, after signing the housing mortgage loan contract with the bank, the bank will lend money. After an individual applies for a mortgage loan, most banks will lend money within 1-2 months after signing the loan. 2. If the bank is short of money, such as applying for a loan at the end of the year, the time for lending will be slower, which may take about 2-5 months. 3. How long the mortgage can be released depends on whether it is a commercial loan or a provident fund loan. If it is a commercial loan, generally speaking, the loan time is relatively fast, and most of it can be lent in 1-2 months. 4. If it is an applied provident fund loan, because the provident fund loan needs to be applied to the local provident fund management center and then transferred to the local bank to apply for the loan, there are many procedures and processes for examination and approval, and the examination and approval time is slow, but the time for lending the provident fund loan is even slower, and it usually takes about 2-6 months to lend. Everyone must choose a formal lending institution when choosing a lending institution.

How long can the mortgage usually come down?

15-20 days "In general, the mortgage can be approved in 15-20 days. After the mortgage interview, you just need to wait quietly for the audit results. The general bank will give the signed loan approval letter to the borrower within 3-5 days after signing. If you don't receive the notice from the bank after 5 days, you can go to the bank and ask if the interview is completed. Under normal circumstances, banks will lend, which is subject to bank regulations. "

Audit links related to bank loans

1, view the property values.

The first thing that needs to pass the loan review is the value of the mortgaged property itself. According to the changes in the market, the properties in different locations, different environments and different locations in the city determine whether they meet the loan conditions.

The type and age of real estate are all factors to evaluate real estate, and the value of real estate is not determined according to the transaction price of buyers and sellers, so it needs to be evaluated by a professional evaluation company.

2. Review the borrower's ability

Secondly, for the loan applicants themselves, income sources, family status, social background, credit records, etc. are all objects that banks need to review.

3. Second-hand houses need guarantee from guarantee companies.

If it is a second-hand housing transaction, the participation of guarantee companies is essential, and a formal professional guarantee company with good qualifications will bring more guarantee for the success of loans to buyers.

The down payment on the house has been paid, but what if the bank does not approve the loan?

You can return a house if the mortgage loan cannot be handled, but you should investigate the different responsibilities of the buyer and the seller according to the reasons. The situation is as follows:

1. The mortgage can't be done because of the developer. For example, if a developer fails to obtain a pre-sale permit or sells an existing house that does not have the conditions for use, resulting in the bank not approving the loan, the buyer can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

2. If the information provided by the buyer is untrue or the credit history is bad, the bank may refuse to lend or return the house, but the buyer shall bear the liability for breach of contract and compensate the developer for the corresponding liquidated damages.

3. If the loan cannot be obtained due to policy changes or bank regulations, the buyer shall negotiate with the developer to return the house. If negotiation fails and there is no agreement in the contract, the buyer can prove that he is not at fault and is really unable to buy a house, and ask the developer to return the down payment and deposit.

In mortgage to buy a house, banks will examine the qualifications of applicants, and if they find that they do not meet the requirements, they will often not lend money. Of course, it may also be because developers and banks do not lend. In these cases, both parties can negotiate to terminate the purchase contract, and at the same time, they can also hold each other accountable.

Housing loan process

1. Information about the application. Identity card and residence booklet of this Municipality; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents need to provide birth certificates.

2. After accepting the loan application before the loan, the handling bank will conduct a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. Through the pre-loan investigation, the bank prepares for the examination and approval of applicants who are considered to meet the loan conditions.

3. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for property insurance to prevent loan risks.

4. Sign a loan contract after investigation and approval. After the bank completes the registration notarization procedure, it informs the applicant to take the contract and sign the housing mortgage loan contract.

5. The buyer and the seller should handle the property right transfer to the Housing Authority. Information provided: ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, it is necessary to provide a transaction evaluation report and copy the information.

6. After the transfer of house property rights is completed, the bank will handle the mortgage and get his other warrants 7 days after the mortgage.

7. Apply for the core property certificate, the bank will take back his right certificate and the bank will lend money. After the bank lends money, it needs to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency also needs to stamp the official seal on the second-hand house mortgage transfer confirmation.

To sum up, many citizens will choose loans when buying a house. However, because the loan procedure is completed in the bank, it may affect the process of buying a house, and even let their favorite house be bought because of time delay, so they will definitely worry that the loan will not come down, which requires the parties to go to the bank in advance.

Legal basis:

"Interim Measures for Personal Loans" Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

How long does the housing loan usually come down?

Question 1: How long does it usually take for individual housing loans to be completed? Usually about a month. Look at the bank's quota. But it also varies from person to person. China is so nice. I finished it in three days.

Question 2: How long does it usually take for CCB housing loans to come down? I need 40 days to hand in the form and loan. State-owned banks are like this, and there is no guarantee.

Question 3: How long does it take to apply for a housing mortgage loan? Generally, it takes 22-25 working days to lend money.

Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.

Question 4: How long does it take to apply for a housing mortgage loan? If you apply for a loan through our bank, the loan approval time is generally around 15 working days. Because it involves evaluation and other links, please contact the loan handling bank to learn more about the specific lending time.

If you have any other questions, please log in to "Online Customer Service" (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

Question 5: How many days can the individual housing mortgage loan be completed? You can't apply for a mortgage on weekends.

If your information is complete and simple, it will be submitted to the bank for review. The review time will be five to seven working days, and you will be informed whether the bank approves the loan. There are two forms of face-to-face signing, one is to go to the bank to refer to its office location, and the other is for the bank to send someone over.

Good luck!

Question 6: How long does it take to approve the housing provident fund loan to buy a house? The approval time of housing provident fund management centers varies from place to place. Please consult the management center of your city for details. The approval time of the management center in our city is the longest 15 working days. The longest time for banks to relax is 15 working days. Public fund loans are different from commercial loans. Its process is that after you pay the down payment, you have to wait until your house is delivered for use. After you get the individual housing ownership certificate within 90 working days stipulated by the general state, go to your individual provident fund management center to get the certificate. The provident fund management center will take your personal house ownership certificate to the bank for mortgage loan, and then directly enter the developer's account. Central countries will give you personal discounts.

Question 7: I wonder how long it will take to approve the mortgage. Generally, it takes one month from the bank to accept your personal data to lend money. First, the branch that gives you a mortgage will have a preliminary review, and then it will be submitted to the head office for final review. During this period, your purchase contract will be filed with the real estate bureau, and the contract will be registered in advance by the real estate bureau after filing. Then the head office approves the money and then goes to the mortgage department. It will take another 3-5 days to lend money.

Generally speaking, the bank will confirm your income certificate within one week after you submit it. Generally, if you arrange it, the bank will not keep asking questions, and it will pass easily. Moreover, provide more proof of other assets, or deposit some money in the bank, and everything will be fine.

Question 8: How long does it take for China Bank to approve housing loans? 1. Generally, the mortgage applied by China Bank can be settled within one month.

2. The process of applying for mortgage:

In the first step, the applicant pays the down payment according to the agreed proportion and signs a house purchase contract with the developer.

Step 2: The applicant applies for a loan, fills in the loan application form and submits the application materials required by the bank.

The third step is bank acceptance, investigation and approval. The approval process includes: the bank investigates and verifies relevant information, and decides whether to grant loans, loan amount, interest rate, term, etc.

Step 4: After the approval, the bank signs a loan contract with the borrower, and goes through the filing and mortgage procedures.

Step five, the bank issues loans, and the applicant repays them on time according to the prescribed repayment method.

Step 3 apply for a room

(1) Valid identification (ID card, household registration book, etc. ), the self-employed must provide a business license (original and photocopy);

(2) Proof of the marital status of the borrower (marriage certificate or single certificate);

(3) proof of income and property of the borrower and spouse;

(4) Purchase contract and down payment receipt;

(5) Commitment letter on property mortgage;

(6) Application Form for Bank Housing Mortgage Loan.

Question 9: How long does it take to get a house loan from the bank for approval? 1: If you need to apply for mortgage when buying a new building, and the property has been pre-sold, as long as you apply to the bank, the bank will immediately check your credit history 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 relevant documents such as copy of license, income certificate and down payment document as required, and sign relevant bank documents and loan contract.

2. After the bank collects all the information, it conducts internal examination and approval, and then goes to the housing management trading center for mortgage registration, which takes about 10- 15 working days. After the trading center issues other warrants, the bank will lend money within 3 working days, and then return the principal and interest through the designated account from the next month of lending, without any other formalities.

3. If you need to apply for a mortgage when buying a second-hand house, your personal integrity is fine after applying to the bank. If the bank decides to accept it, it will conduct a comprehensive evaluation of the property through a third-party evaluation agency, and the bank will verify the loan ratio according to the evaluation value. If the down payment of the loan amount is less than the contract amount registered by the housing management trading center, the difference shall be paid before the transfer formalities, and the relevant documents shall be submitted to the bank for future reference.

4. When the buyer and the seller handle the transfer formalities in the trading center, they shall also handle the mortgage registration formalities. After receiving other warrants, the bank will pay the loan to the account designated by the buyer and immediately transfer the relevant funds to the designated bank account provided by the seller.

Then you can repay the loan on time.

5. Entrustment, in principle, the sale of houses is not allowed. Please consult the local housing management trading center and relevant banks in advance. The entrustment procedure is only that you personally and the client personally issue the entrustment certificate and witness it at the notary office or law firm.

6. If you are married, all the above procedures need you to go through with my wife and provide a marriage certificate.

Question 10: How long does it usually take for banks to approve commercial housing loans? The housing loan process is as follows:

Sign a loan contract with the bank → give the title certificate to the bank after it is approved by the bank → handle other rights → borrow from the bank.

Information on applying for bank loan:

Buy a new house: ID card, household registration book, marriage certificate, income certificate, bank contact information (married with husband and wife information)

Buy a second-hand house:

Buyer: ID card, household registration book, marriage certificate, income certificate, bank account, (married with both husband and wife information)

Seller: ID card, household registration book, marriage certificate, real estate license, land certificate, (married with both husband and wife information)

Generally, it takes one month to handle the mortgage loan for house purchase, and it may take one and a half months if the bank lends money slowly.