Buying a house in CCB loan flow chart

Buying a house in the CCB loan, how long does it usually take to be approved?

Hello! General bank loan approval is about 15 days, if you encounter policy changes, the time may be extended to 1 month. Or if the bank is strapped for cash, the loan may need to be queued at this time and the time will be further extended. If you don't get approval for more than 3 months, it may be that your documents or qualifications don't meet the conditions of the loan, and in case you can't do it, the bank will notify you personally. After the approval, the bank will not immediately release the loan, but also need to sign a contract with you; after the contract is signed, CCB will release the loan according to the contract when the conditions are met.

How to apply for a home mortgage in the construction bank

Construction bank real estate license mortgage process:1. Holding the real estate license to the property ownership house in the district and county real estate bureau to ask whether the property can apply for mortgage registration; 2. If it can be processed, bring the relevant information to the construction bank to apply for a mortgage loan; 3. Evaluation; 4. Approval; 5. Borrower Take the property certificate and the loan contract to the district and county real estate bureaus where the property is located to apply for mortgage registration, and the agent's fee will be borne by the borrower; 6. Upon completion of the mortgage registration, CCB can issue a loan to the borrower's personal savings account.

Article 394 of the Civil Code, the definition of the mortgage debtor or third party to mortgage property to the creditor to secure the performance of the debt, the debtor does not perform the debt due or in accordance with the agreement of the parties to realize the mortgage, the creditor has the right to receive priority compensation for the property.

The debtor or a third person referred to in the preceding paragraph is the mortgagor, the creditor is the mortgagor, and the property providing security is the mortgaged property.

Construction Bank personal housing loans how to handle? See here for the detailed process!

For many ordinary working-class families, buying a house is a happy event. In addition to paying the down payment on the house, most people need to apply for a loan, for the construction bank personal housing loan how to handle, most people said the process is more complicated, do not know how to handle. In fact, as long as it is clear that it is easy to handle, here do the relevant organization, for your reference.

1, pre-loan counseling. Through the telephone, the network or through the network, the specific types of personal housing loans, duration, amount, interest rate levels, repayment methods, etc. to consult, and to obtain the relevant information.

2. Loan application. Fill out and submit the personal housing loan application form and application materials prescribed by CCB.

3. Pre-loan investigation and interview. CCB conducts pre-loan investigation to ensure the authenticity of loan matters and loan information, and interviews the borrower for loan-related understanding and also to determine loan-related details.

4, loan approval. Credit officers in the initial review of the customer's written information, level by level for approval. Approval through the issuance of a bank loan commitment, the commitment is valid for one month.

5, sign the contract. After the approval of the loan through, and CCB signed a loan contract.

6, loan disbursement. Loan funds transferred to the developer's account at the same time, the borrower to receive the relevant contract.

7, customer repayment. According to the requirements of the repayment plan, from the month of the loan to start repaying the principal and interest.

8, loan settlement. The loan contract lapses.

On the "CCB personal home loan how to handle?" It is introduced here, after reading it, I believe we have a certain understanding, right? In order to save time, before going through the relevant procedures, you can consult the local CCB or 95533 in detail.

Construction Bank home loan how to apply? Summary of the process and information in full!

Construction Bank is a well-known financial institution in China, the mortgage business has always been an important business of the construction bank, due to the mortgage amount is sufficient and the process is professional, so the application is very much. So how do you apply for a home loan from CCB? If you plan to buy a house, it is recommended that you learn about the content in advance so that you will not be in a hurry to handle it. Today to introduce the application information and application process.

A, CCB mortgage application information

People apply for CCB mortgage before, to ensure that they have a continuous and stable, continued for more than half a year of bank current, otherwise the mortgage is easy to be rejected.

1, the applicant and spouse's identity card, household registration original and copies of three (such as the applicant and spouse do not belong to the same household needs to be attached to another proof of marital relationship).

2, the original purchase agreement.

3. 1 original and 1 photocopy of the receipt of the advance payment of 30% or more of the house price.

4. Documents proving the applicant's family income and relevant assets, including pay slips, personal income tax payment slips, income certificates issued by the organization and bank deposit slips.

5. 1 copy of the developer's collection account number.

Two, CCB mortgage application process

1. Loan application: the customer to fill out and submit the CCB prescribed application form and application materials.

2. Pre-credit investigation and interview: CCB interviews the borrower and conducts pre-credit investigations, etc.

3. Loan approval: CCB carries out loan approval.

4. Signing the contract: After the customer's loan approval is passed, the loan contract is signed with CCB.

5. Loan disbursement: CCB disburses the loan after meeting the conditions.

6. Customer Repayment: The customer repays the loan on time as agreed.

7. Loan settlement.

Third, note

1, before applying for a mortgage, it is recommended that all loans other than the mortgage all one-time repayment before applying.

2, credit report, apply for a card or apply for a loan up to three times in a month, the number of times more likely to be rejected.

3, the Internet small loan less application, such as chanting, particulate loan, etc., the bank will think that this small amount you also loan, may not be able to repay the loan.

Construction Bank home purchase loan approval through the disbursement of how long it takes

Construction Bank home purchase loan approval in general need 15-20 working days. Mortgage approval process: approval authority outside the approval officer agreed, reported to the parent bank credit approval agency approval after the investigation by the officer, in the "China Construction Bank personal housing loan approval form" Ming understand the situation, and fill in the review opinion, and the loan approval form and approval materials together to the credit department head, the credit department head in the approval form to write down the approval of the opinion and submit to the head of the branch in charge of the approval of the opinion in the The head of the credit department will write down the approval opinion on the approval form and submit it to the head of the branch in charge of the branch to sign the approval opinion on the approval form.

Extended information

Five, the process

1, loan application: the borrower and **** someone with the required information to the provident fund center to submit a loan application;

2, the loan acceptance: the center to review the loan information, interview with the borrower, and within 15 working days to confirm the loan;

3, loan confirmation: the borrower and **** the entitled person to the center to sign the loan contract. entitled person to the center to sign the loan contract, the center issued a "transfer notice";

4, mortgage pre-registration: the borrower entrusted the provident fund center for pre-registration of housing mortgages;

5, loan guarantee: the borrower and the sale of housing units to sign the "Loan Guarantee Contract";

6, loan disbursement: the borrower in the time stipulated in the "transfer notice" to the center and bank For loan transfer formalities;

7. Loan repayment: the borrower shall deposit the loan principal and interest on time into the repayment account opened by the borrower in the trustee bank before the 20th day of each month starting from the next month of the loan disbursement;

8. Mortgage change: the borrower shall apply for registration of the certificate of ownership of the house and the change of mortgage and hand over the Certificate of Other Titles to the selling housing unit within 3 months from the date of the delivery of the housing as stipulated in the contract for the purchase of the housing and hand over the Certificate of Other Titles to the selling housing unit for registration of the Certificate of Other Titles. Other Rights Certificate" to the selling unit, which will be forwarded to the provident fund center.