You don't have to get a loan for an auction house right away. If buyers want to buy an auction house, they usually apply for a loan immediately after paying the down payment. Because it is faster than ordinary new houses and more risky, it is the most ideal state to get a good loan before handing over the house. And generally speaking, after paying the down payment, the borrower needs to apply for a loan as soon as possible within one month. After the mortgage is settled, you need to start paying it back. After the loan procedures are completed, you need to go through the formalities of handing over the house.

But before applying for a loan, you must remember to apply for filing when buying an auction house to avoid the risk of temporary return of goods by buyers. Of course, it is not only faster, but also existing houses. In addition, after receiving the approval notice, the customer will sign the loan contract at the outlet in time within the agreed time, and go through the mortgage and other related procedures at the Housing Authority.

Problems that should be paid attention to when buying forward house by loan

1. Check whether the sales office has a pre-sale permit, whether the selling units are consistent, and whether the date of the pre-sale permit has expired. Now, many areas have banned the sale of faster houses.

2. Check the evaluation of the engineering company online to see if there are any bad records. These have credit files on the internet. Check which property is in the community, and also check the reputation of the property company online. Generally, the reputation of large real estate developers is basically no problem, and the pressure of capital turnover is small, which is unlikely to have problems. Mainly some junior small companies.

3. Take a concrete look at the construction situation of the construction site, and see to what extent the building has been implemented, the state of the construction personnel, whether it is in normal construction, etc.

4. Time and method of payment. Paying the house payment by installments not only reduces the economic pressure, but also is the best constraint for the developer to fulfill the contract as scheduled. Both parties may agree to pay one by one according to the project progress of the house within a few working days after obtaining the property ownership certificate of the house until the last payment is made.

5. The agreement on the liability for breach of contract stipulates how the developer can compensate the property buyers for their economic losses if they fail to deliver the house on time. This is a contract different from the sales contract, which can safeguard its own rights and interests.