Loan to buy a house is a way that many people will choose to buy a house. However, it is not so easy to get a loan from the bank. You must meet the conditions. In addition, the loan from the bank has to wait for a period of time before it can be approved. What are the conditions for the loan from the bank to buy a house? How long can the loan from the bank to buy a house be approved? Let's have a look.
1、 What are the conditions for a bank loan to buy a house?
1. The original and copy of the borrower's valid identity certificate (the borrower's age must meet the basic conditions of 18-65 years); the certification materials of local permanent residence or valid residence status; the certification materials of the borrower's loan repayment ability. Such as the income certificate, borrower's tax policy and insurance policy issued by the borrower's unit.
2. The borrower obtains the pledge right, list of collateral and ownership certificate required by the pledge and mortgage line, the written document that the owner and the property co owner agree to pledge and mortgage; the borrower obtains the written document that the Guarantor agrees to provide the guarantee required by the guarantee line, and the credit certificate material of the guarantor (not required if it is a credit loan).
3. The appraisal report of the mortgaged property issued by the appraisal department recognized by the society (this material is required for the mortgage loan, but not for others); other documents and materials specified by the bank. Different banks and different loan products require different conditions. It is suggested that Internet users in need can call bank customer service or credit manager directly.
2、 How long can a bank loan for a house be approved?
1. Generally, the mortgage will be released within three months. If you haven't heard about your house loan for nearly three months, it's recommended to call the loan bank directly for consultation to see if your loan has been audited. If it has been audited, there will be basically no problem. Wait for the bank to lend money; if it hasn't been audited, there will be a little problem at this time. At this time, you need to call the bank for consultation.
2. The first-hand house is usually very fast, because the developer and the bank sign the house payment contract. The fastest is to approve in 2 days and lend in 3 days. Generally speaking, the approval is in 3-5 days. According to the developer's requirements, the bank can only make a house loan. If the time is hard to say, it will be 2-3 days fast and wait patiently.
3. Second hand housing loans in the case of sufficient bank lines, from the application to the approval only need a week, slow words also only need half a month. If the bank line is insufficient, the house payment is generally not allowed until the beginning of the month, so the longest waiting period is about one month.