15 working days. It takes about 15 working days to approve CCB's mortgage, but it also depends on that the approval time may be extended to one month. If the loan approval time has passed, you can also go directly to the bank for consultation and make up in time. It should be noted that applying for a mortgage in a bank is a long process and requires a lot of approval. I suggest you consult clearly in advance and prepare all the materials that need to be approved at one time.

1 month in case of policy change. Or the bank is short of funds, and this time may be the exhibition period. If it exceeds 3, it may be that your materials or qualifications are not ideal, and the bank will also inform you. After the approval, the bank will not lend money immediately. After signing the contract, CCB will issue loans according to the contract when the conditions are met.

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1. The approval of mortgage is influenced by many aspects. The borrower must meet the loan conditions in order to meet the following conditions:

A: First of all, you must have a legal status, a stable source of income, good credit and the ability to repay the principal and interest of the loan. Then there are relevant legal and effective agreements and other supporting documents required by the lending bank.

B. Secondly, there are self-raised funds of more than 30% of the total price of the purchased house (the self-occupied house with a building area of less than 90 square meters is generally 20%), which are guaranteed to be used to pay the down payment of the purchased house, with assets recognized by the loan bank as collateral or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantee.

C. other conditions stipulated by the lender of last resort. Loan amount: up to 80% of the purchase price or evaluation value (whichever is lower);

2. How long does it take for CCB to generally approve mortgages?

Lending usually takes 40-50 working days. The basic process of mortgage loan is as follows: on-the-spot house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the house applying for mortgage loan to inspect the house on the spot; Property right verification; The property owner and co-owner (seller) bring the original ID card and real estate license to the Housing Authority to submit the original ID card and real estate license and go through the relevant formalities; Signing: the bank carefully checks and verifies the original information of customers, authenticates the authenticity of all the signatories, supervises the signature of customers, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to open an account in the bank.

3. How long will it take for CCB to approve the mortgage?

Usually 4-8 weeks

4. How long does it take to apply for a mortgage in CCB?

15 working days. The loan approval of CCB takes about 15 working days, but it also depends on the situation: if the loan policy changes, the approval time may be extended to one month. If the loan approval time is too long, you can call the bank customer service phone for consultation, or you can go directly to the bank for consultation. If the information is incomplete, it should be supplemented in time. It should be noted that applying for a mortgage in a bank is a long process and requires a lot of approval. I suggest you consult clearly in advance and prepare all the required materials at one time, which will also speed up the examination and approval. In case of policy change, the time can be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you. After the approval, the bank will not lend money immediately and need to sign a contract with you; After the contract is signed, CCB will issue loans according to the contract when conditions are met. : 1. The approval of mortgage is influenced by many aspects. Only when the borrower meets the loan conditions can he successfully obtain a loan. Ordinary borrowers must meet the following conditions at the same time: a. First, they must have legal status, have their own stable sources of income, have good credit, and have the ability to repay the principal and interest of loans. Then there are the relevant legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank. B. Secondly, there are self-raised funds of more than 30% of the total price of the purchased house (the self-occupied house with a building area of less than 90 square meters is generally 20%), which are guaranteed to be used to pay the down payment of the purchased house, with assets recognized by the loan bank as collateral or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantee. C. other conditions stipulated by the lender of last resort. Loan amount: the maximum amount is 80% of the total price or evaluation value (whichever is lower) of the house purchased (built or overhauled);