How long does it take for a bank to buy a house with a loan? Do you know the detailed process steps of buying a house with a loan? There are a lot of people who buy houses with mortgage loans. At present, more and more people buy their own houses by way of mortgage loans. When buying a house, you need to sign a purchase contract first, and then go to the bank to go through the loan procedures. How long does it take to go through the loan procedures?
When to go through the loan procedures after the signing of the purchase contract
After signing the purchase contract, you can go to apply for a loan. You can go to the bank to sign at any time. The buyer and the seller are present. You need to provide: the copy of the business license is stamped with the official seal, the income certificate (twice of the monthly supply), the half year flow of the wage card, social security or search tax payment, education certificate, temporary residence certificate. If you have a car, you can bring the driving book. If you don't have one, you can prove your qualification, which is conducive to the loan approval. After face-to-face signing, evaluate the house and make an online sign, which can be done in advance, so that the buyer and the seller can guarantee that the house owner can't sell the house to others, and the customer can't breach the contract at will. After all these materials are completed, the bank can approve the loan within 3 to 5 working days. After the loan is approved, the bank can pay the tax and transfer the ownership. Then the bank can go to the mortgage registration office after getting the new house book. In the end, the homeowner is waiting to get the money. It's different from place to place. It's about a month.
Time required for purchase process
1. Time required for full purchase
If the buyer is the full payment, the process can be completed in six steps: signing, auditing, online signing, fund supervision, tax payment transfer, and obtaining the house property right certificate. The seller can also get the money quickly, generally in one month.
2. Time required for loan purchase
If it is a loan purchase, it will take 7-10 working days for the bank to approve when all materials are complete.
It will take two to three weeks for the mortgage to go to the bank for payment. First, go to the bank to find out about it. And apply for personal housing loan with the above information. The bank then reviews it and determines the amount of the loan. Then the loan contract can be handled, and the insurance can be handled by the bank. To register and notarize the mortgage of property rights. The last thing left is the cancellation of registration after the loan is issued by the bank, the borrower repays the loan and pays off the principal and interest every month.
Under normal condition, it takes 7-10 working days to change the name of the property right certificate of the house, subject to the workload of the local real estate department.