Second-hand housing mortgage loan bank audit lending process time

First, the second-hand housing mortgage loan bank audit lending process time

The World Bank's review of the loan process and time is as follows:

1. Submit the loan application and sign the loan contract: 1 day.

2. real estate assessment and third party guarantee: 1-2 days.

3. Bank approval: 3-5 working days.

4. Transfer of ownership, down payment, tax payment and new real estate license: 4 working days.

It takes 3 working days for the bank to receive the loan contract and mortgage registration.

6. Loan to the seller from the bank: 3-5 working days.

The loan amount of each bank is systematically planned by the head office. If the allocated quota has been used up, the bank will slow down the review, and will wait until the next batch of planned quota is in place before lending, because commercial banks are supervised by the People's Bank of China, and all indicators must be implemented according to the requirements of the People's Bank of China and cannot exceed the standard.

Second, how long does it take for the Agricultural Bank to approve and issue second-hand housing loans?

Eligible second-hand mortgages can be approved in about 7 working hours. The process is as follows:

1. After the buyer and seller negotiate the house price and sign the contract, they need to bring their identity certificate, house ownership certificate, land certificate or copy, household registration book, marriage certificate, sales contract and transfer confirmation approval form to the housing management department for online signing, and then go to the bank to sign a loan contract and handle the loan;

2. Take the above materials to the tax department of the housing management department to go through the formalities of property right transfer registration and tax payment, get the property right certificate, and then go through the mortgage registration together with the bank credit personnel to withdraw the loan from the bank.

Third, the time for the second-hand housing mortgage bank to review the lending process.

It usually takes one month. After the Housing Authority and the bank receive the mortgage, it takes nine working days for the Housing Authority and the bank to confirm each other (three working days for the bank);

It takes 3 working days for the bank to lend money and 3 working days for the transfer to the seller's account, totaling *** 15 working days;

After the second-hand housing loan is released by the bank, it takes 15 days for the bank to supervise the funds to be deposited into the account of a homeowner.

Extended data:

Second-hand housing mortgage refers to an individual who pays a certain proportion of down payment when buying a house or a commercial house with a house title certificate that the seller can trade in the market, and mortgages the rest to the cooperative organization.

The loan term is not more than 30 years, but more than 65 years.

The loan interest rate is the same period level announced by the People's Bank of China, which fluctuates in proportion. The specific floating ratio is determined by the local branch of the Postal Savings Bank according to the national housing credit policy.