The audit time takes 22-25 working days, depending on the local bank.
Mortgage to buy a house loan process:
Choose real estate;
Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;
Apply for mortgage loan;
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;
Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;
Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
Handle 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;
Open a special repayment account;
After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;
The borrower repays the loan regularly as stipulated in the contract.
2. What does the face-to-face signing of provident fund loans mean? Can you tell me the steps of provident fund loan? thank you
Face-to-face signing means that both borrowers and borrowers must go to the housing provident fund management office and sign on the spot. The management center shall not be replaced by the lender's ID card or other certificates to avoid risks. Specific process: If the loan or house purchase contract belongs to both husband and wife, both husband and wife need to participate in more processes, including their ID card, household registration book (the page that needs the owner), down payment invoice, annoying contract, provident fund account, and possibly proof of income. Call the housing provident fund management center and ask how many copies are included, or you will be killed. They don't go to work until Monday to Friday, and finally they get a common provident fund loan.
3. Is the loan approval of Qingdao Bank strict?
The loan approval of Qingdao Bank is relatively strict. Qingdao Bank has a complete range of personal loans, quick approval and flexible guarantee methods, which can meet customers' multi-level financing needs. The bank will complete the examination and approval as soon as 1 day, and the loan will be released in 3 days. In addition, with the relaxation of the purchase restriction policy, some banks have relaxed their credit policies.
4. Is Qingdao Bank's mortgage good? I spend a lot of money on credit investigation, and there are too many small loans. ...
Spread out completely
Your situation should be the first set. There is no record in the bank, and there is no real estate in your personal name. Pay the provident fund 6 months before buying a house, and you can use the provident fund loan to buy a house. If the provident fund is not enough, it can be combined with commercial loans.