What are the steps of loan preparation from the bank? What are the reasons for people to buy a house from the bank? How long can ordinary banks mortgage? These problems are urgently needed to know.
How long does the bank lend to buy a house?
Generally about 1 month. Personal housing loan refers to the loan granted by the bank to the borrower for the purchase of ordinary housing for their own use. The borrower must provide guarantee when applying for individual housing loan. Personal housing loan business is one of the main asset businesses of commercial banks. It refers to the loans open to the borrower by commercial banks for the borrower to purchase the housing for the first transaction (i.e. the housing sold to individuals after development and construction by real estate developers or other qualified development subjects).
(1) The full name of individual housing entrusted loan is individual housing guaranteed entrusted loan. It refers to the individual housing loan issued by the housing fund management center by using the housing provident fund to entrust commercial banks. Housing provident fund loan is a policy personal housing loan. On the one hand, its interest rate is low; On the other hand, it mainly provides such loans for low - and middle-income provident fund deposit workers. However, because the interest difference between housing provident fund loan and commercial loan is more than 1%, both investors and home buyers prefer to choose housing provident fund loan to buy housing.
(2) Personal housing self operated loan is a loan granted to individual buyers from bank credit funds. Also known as commercial personal housing loan, personal housing guarantee loan. Individual housing portfolio loan refers to the loan granted to the same borrower from housing provident fund deposits and credit funds for the purchase of ordinary housing for their own use. It is a combination of individual housing entrusted loan and self operated loan. In addition, there are housing savings loans and mortgage loans.
What are the lending processes for bank loans to buy a house?
Generally, if you receive a short message or phone call from the bank and know that the loan has been approved, the developer will notify you to get the house purchase contract registered with the real estate management department (because if the bank does not issue a loan for you, the developer will not get the house purchase contract signed with you to the real estate management department for registration).
The bank will generally send the loan contract and repayment to the developer in batches, so you can also get the loan contract and bank card while receiving the house purchase contract. After the bank's personal housing loan is issued, the procedures you have to go through include:
The developer completes the registered house purchase contract. The house purchase contract between the bank and you and the corresponding notarial certificate. Bank card for repayment (the bank will regularly deduct the mortgage from that bank card every month). Some banks will also issue a "loan issuance notice", "repayment schedule", etc.
The above content is how long does Xiaobian lend money to buy a house with bank loans? A full introduction to the loan process of bank loan for house purchase. After we handle the loan, the bank needs an approval process. The loan can be typed down only after the approval. Therefore, we should not be too anxious or worried. The specific operation process is more complex. If you need it, you can understand it according to the above contents.