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The average time to sign a mortgage is one and a half months from the date the application is submitted, although it may take more or less time depending on the specific case. The sooner the buyer submits the necessary documentation to conclude the mortgage, the faster the process will be.

Once the mortgage is approved, the pre-contractual documentation has to be signed as soon as possible so that the 10-calendar-day cooling-off period (14 days in Catalonia) can begin. After this period, you have to go to the notary to sign the mortgage.