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How long does it take to review a house loan? Detailed process of loan and house purchase

How long does it take to make a loan? How long does it generally take to review a house loan? It takes a certain amount of loan to buy a house, so how long does it take to review a house loan? How long does it generally take to review a house loan?

Different banks, different periods of time, approval time is also different. For example, the approval time of ICBC's housing loan is generally 2-3 weeks, and 2-3 months is possible when it is slow.

Generally speaking, the process of the bank's examination and approval of the real estate loan usually goes through four stages. During this period, it needs the cooperation of the relevant insurance and guarantee companies, the evaluation and credit investigation companies and the notarization departments. It can also be said that the process of the examination and approval is very strict. So it's not just a matter of talking.

The review link related to bank lending 1. The first thing to pass the loan review is the value of the real estate itself used for mortgage. According to the changes of the market, the real estate in different locations, environments and lots in the city determines whether it has the loan qualification. The type and age of the real estate are the factors to evaluate the real estate, and the value of the real estate is not determined according to the transaction price of the buyer and the seller, but needs to be evaluated by a professional evaluation company.

2. Secondly, for the loan applicant, the source of income, family status, social background, credit records and so on are all the objectives that the bank needs to audit, and there are also relevant regulations and constraints on the age and physical condition of the lender.

3. The second-hand house needs guarantee company. If it is a second-hand house transaction, it is necessary for guarantee company to participate in it. The qualified formal professional guarantee company will bring more guarantee for the buyer's loan success.