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工行房贷审批流程多久知道的告诉下

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工行房贷审批流程多久知道的告诉下

浏览：40次 | 提问时间： 06-30 10:34
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3个答案
断了情凉了心 06-30 10:35

您好，审批是很快的，一个星期左右就有答复。

　　办理按揭贷款需要提供的资料：

　　1、申请人和配偶的身份证、户口原件及复印件3份(如申请人与配偶不属于同一户口的需另附婚姻关系证明)。

　　2、购房协议书正本。

　　3、房价30%或以上预付款收据原件及复印件各1份。

　　4、申请人家庭收入证明材料和有关资产证明等，包括工资单、个人所得税纳税单、单位开具的收入证明、银行存单等。

　　5、开发商的收款帐号1份。

多年以后 06-30 10:43

银行审批的时间很快的，一般三到五个工作日就可以了。如果时间久了可以查询的。
一、网银查询具体流程为：1、开通工行网银；2、登陆工行网上银行；3、进入工行网上贷款模块，进入点击进度查询；4、查询您所要查询的相关内容；
二、电话查询直接致电工行客服电话，根据语音提示选择，查询贷款进度；三、客户经理查询与为您办贷款的客户取得联系，查询贷款进度。

墨乡故里 06-30 10:51

房屋开发商不看你的收入证明，只要你能有首付即可。银行贷款需要你的收入证明主要是分析你还贷能力。审批主要看你的个人资料是否齐全，是否有能力还贷，你个人及配偶征信系统如何，若有瑕疵，则上报和审批工作要重复几次才能完成。你和你家人积极配合，你的配偶不能到现场签字则事先要办理一个委托公证书，授权你全权代理处理贷款事宜，正常房贷调查、整理资料三天以及上报走房贷流程二天，审批二天。

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