There are many procedures to go through when applying for a loan to buy a house, among which materials need to be submitted to the bank for review. Generally, there will be many links from preliminary examination to final examination, so how long does it take for the mortgage to pass the preliminary examination to final examination? What should I pay attention to when handling a mortgage? Let's have a look.
1. How long does it take for the mortgage to pass the preliminary examination to the final examination?
It takes about one month from the initial review to the final review. After the final review, the customer will be informed as soon as possible, regardless of whether the approval is passed or not. After receiving the notice, customers who have passed the examination and approval need to go to the bank in time to sign a contract and go through mortgage and other related procedures before the bank will lend money.
After the mortgage application is submitted, the bank staff will sort out the information submitted by the customer and then submit it to the audit department. The audit department will audit the authenticity, accuracy and completeness of the information to confirm that the information is true and complete and the customer is qualified to apply for a loan. After the first trial, this link will be completed in about one or two days.
Then, we will comprehensively evaluate the credit status of customers, such as their age, education, marital status, work and residence address, economic income level, loan situation, debt and credit status. It will take about two or three weeks to complete the approval.
It should be noted that if the banking business is busy, it may sometimes take longer to approve. If the bank's quota is tight, lending will also be delayed.
Second, what should I pay attention to when handling a mortgage?
1. Mortgaged property. Mortgage. That's a mortgage. Banks must first pay attention to the housing situation. Housing information includes housing location, housing age (that is, construction time, you can refer to land transfer time and housing drawings but not completely correct), housing area, surrounding facilities (whether there are subways, schools, commercial squares, etc.). ), orientation, floor, decoration, whether there is any change in housing structure.
2. Borrower qualification. Whether the borrower has a stable job, whether the bank has running water, whether the credit status is good (situation, credit card holding situation, repayment situation, whether it is often phased, whether there are credit loans and consumer loans, etc. ), whether there is debt and whether there is guarantee.
3. Source of down payment. This is actually overlooked by many people. Now it's equivalent to popular science. At present, the central bank has listed consumer loan funds and credit loan funds as prohibited from flowing into the real estate market. Even if you borrow 50 thousand yuan, save it and pay it back in a few days. This kind of behavior, in the bank's view, belongs to the down payment behavior. Therefore, the source of the down payment is its own funds or the funds of immediate family members.
Now all major banks like to be mortgage customers, so some of them will also give interest rates to quality customers. If someone thinks their qualifications are not bad. You can consult more banks or friends around you to see if there are any banks with low interest rates to recommend. This can really save money.