The bank will first lend the money to the customer's bank card, and then immediately transfer it to the account designated by the real estate agent. After the real estate developer receives the remaining loan, what the customer needs to do is to repay the mortgage in installments on time according to the repayment plan agreed in the loan contract (it is necessary to avoid overdue, and there are enough idle funds in the hands to apply for early repayment).
After paying off the mortgage, the customer goes to the bank to apply for the loan settlement certificate, get back the other right certificate, and then bring personal ID card, loan settlement certificate, other right certificate, real estate license and other materials to the Housing Authority for mortgage procedures. If you want to buy relevant insurance to prevent mortgage risks when applying for a mortgage, you need to surrender to the insurance company after completing the cancellation.
Matters needing attention in applying for a mortgage from a bank?
1, house quality. Once the house has lived for decades, once it has signed a purchase contract with the developer and submitted a loan application to the bank, the formalities and procedures are quite complicated, which greatly damages the vital rights and interests of the buyers. In order to protect their legitimate rights and interests, buyers must carefully evaluate the details inside and outside the house when inspecting the house.
2. The developer's "five certificates and two books". Developers have consumed a lot of money in the initial stage of building houses, and some developers quickly withdraw funds. They often put the property on the trading market early when the relevant documents are not complete. In order to avoid disputes after buying a house, it is recommended that buyers focus on the "five certificates and two books" of developers, including state-owned land use certificates and pre-sale permits.
3. The contents of the supplementary agreement to the contract. Now, in order to promote the transaction rate of real estate, many salesmen promise various verbal agreements to buyers. In fact, these oral agreements will have formal legal effect only if they are written in black and white in the contract. Oral agreement will generally be written into the purchase contract in the form of supplementary agreement, which requires the public to pay attention when signing the contract.