There are three ways of personal mortgage: pure commercial loan, pure provident fund loan and portfolio loan (commercial loan+public loan).

1, pure commercial loans are relatively the fastest (because banks charge more interest, banks will review them for about one month).

2, pure provident fund loans, bank capital turnover accelerated (because the provident fund is basically entrusted to banks), so there are many places in the country waiting in line for loans.

3. Portfolio loan is the slowest. First of all, you need to wait for the provident fund to lend money, plus the bank loan review (about one month). Portfolio loans are issued together with commercial loans and public loans, so the waiting time is increased, so it is the slowest.

Will buying a new house, paying down payment and swiping a credit card affect the mortgage?

It won't affect.

The mortgage borrower must meet the following conditions at the same time:

Have a legal status;

Have a stable economic income, good credit and the ability to repay the principal and interest of loans;

There are legal and effective contracts and agreements for the purchase and overhaul of housing and other supporting documents required by the loan bank;

Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

Having the assets mortgaged or pledged by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor;

Other conditions stipulated by the lending bank.

How long can I get the mortgage after the down payment, and what can mortgage to buy a house get after paying the down payment?

Agreement on property rights of the house: Party A: ID number: ID number: Party B: ID number: ID number According to the provisions of the General Principles of the Civil Law of People's Republic of China (PRC), the Contract Law of People's Republic of China (PRC) and other relevant laws and regulations, Party A and Party B have reached an agreement on matters related to Party B's purchase of real estate in the name of Party A, and hereby sign this agreement. Article 2 Party A only needs to sign the commercial housing sales contract with the developer in its own name, and allow Party B to pay all kinds of taxes and go through the relevant formalities in its own name, and Party A does not need to bear any legal and economic risks. All expenses and legal risks arising from the purchase of the house shall be borne by Party B. Article 3 After the signing of the commercial house sales contract for this property, Party B must pay all kinds of relevant funds in time, and shall not increase Party A's responsibilities in any way, and guarantee that Party A will not bear any economic responsibilities (except those caused by Party A's fault). Article 4 The house purchase price, taxes and other related expenses paid by Party B in the name of Party A shall be kept by Party B, and Party A agrees that the house purchase and sale contract and related procedures shall be kept and managed by Party B directly ... If mortgage loan is adopted, all mortgage guarantee contract documents and repayment procedures shall be kept by Party B.. Article 5 Party A shall directly hand over the house to Party B for possession, management, use and disposal on the day when the real estate developer delivers the house. Article 6 The actual ownership of the house belongs to Party B, and Party A promises that it and its successors will not put forward any claims on the property rights of the house. Article 7 The house is registered in the name of Party A within a certain period of time. After Party B determines the transfer time, Party A must unconditionally transfer the property right of the house to the name of Party B (or the unit or individual designated by Party B), and all expenses arising from the transfer shall be borne by Party B. If Party B decides to directly handle the property right certificate under Party B's name, Party A shall also unconditionally cooperate with the change procedures. Article 8 Liability for breach of contract clause 1. If Party B fails to pay the relevant money in time after the signing of the commercial housing sales contract, all the direct losses caused to Party A shall be borne by Party B. 2. If Party A fails to hand over the property to Party B for possession, use and disposal immediately after the developer delivers it, Party A shall pay Party B a penalty of 0. 1% of the total contract price for each overdue day. 4. If Party B determines the transfer time and Party A does not agree to (cooperate with) the transfer, and Party B does not agree to Party A's withdrawal, Party A shall pay Party B a penalty of 0. 1% of the total contract price for each day of delay, and Party A shall transfer the property right to Party B at the same time .. 5. If Party B determines the transfer time and Party A does not agree to (cooperate with) the transfer, but Party B agrees to Party A's withdrawal, Party A shall increase the reasonable appraisal price in the real estate market by 20%. Article 9 This contract is made in quadruplicate, with each party holding two copies, all of which have the same legal effect. Article 10 In case of any dispute during the performance of this contract, both parties shall settle it through equal consultation. If negotiation fails, either party has the right to defend its rights through litigation. Article 11 For matters not covered in this contract, Party A and Party B may separately agree, and the supplementary agreement shall have the same legal effect as this contract after being signed by both parties. Party A (signature): Party B (signature): Tel: Tel: Date of signing: Date of signing: Date of signing.

How long can I go to the bank for mortgage after paying the down payment for buying a house in Huizhou?

Generally, you can buy a house, pay a down payment, sign an agreement, and then you can go to the bank for mortgage. Developers will generally designate banks, and some will provide copies of the five certificates. You can go to the bank to mortgage yourself. When the bank loan comes down, you will be informed to sign the purchase contract and go through the formalities.

How long can I get a mortgage after paying the down payment?

Under normal circumstances, mortgage registration and loan procedures will be handled immediately after signing the contract. Pre-mortgage registration can be handled for faster houses, and mortgage loans can be issued after registration. When your house is completely completed, the pre-mortgage will be automatically converted into a formal mortgage. However, some banks do not accept the mortgage loan of this property. Go to the bank in advance to consult whether to accept the mortgage loan of this property. According to the regulations, in principle, the provident fund loans for commercial housing (faster) must be accepted before lending.

Can migrant workers still mortgage after paying the down payment for buying a house?

Yes, but the interest rate is very high.

I hope I can help you. If your problem is solved, please adopt it. Thank you.

Mortgage to buy an existing home process, mortgage to buy an existing home, is to pay a down payment first, after handling the real estate license, will the bank allocate funds?

Existing houses can be newly-built commercial houses. Generally, after paying the down payment and signing the purchase contract, you can apply for a loan and lend money. Second-hand houses are also considered existing houses. Generally, you have to complete the real estate license, and then apply for a loan and lend money.

How long does it usually take to buy a new house and a CCB loan mortgage?

It basically takes two months, and it is estimated that it will be soon.

How long does it usually take for an auction house to make a down payment?

Generally, the down payment is made when the developer starts to officially sell after obtaining the five certificates. The opening is actually a propaganda made by the developer, sending a signal: I began to collect money to sell the house.

Generally, the down payment is paid after the opening, and the loan information is filled out and sent to the bank for approval. Generally, it takes about 1-2 months for a bank to lend money, and then you start to repay the monthly loan from the next month, that is, you start to repay the loan!

I want to buy a new house now, but the down payment is not enough. Can I use the old house as collateral to pay the down payment and then use the new house as collateral?

Yes, but some banks can't. Let's look at attracting investment. Their bank loans are more flexible. If there is a micro-loan postal service now, you can consider it.