This loan. Only those who come must be assisted by the developer (the developer, as the installment guarantor before mortgage registration, needs to submit relevant information), and the customer also needs to handle it independently in person.
Therefore, you can also understand that handling loans is the work that developers should complete themselves.
The developer you mentioned may not be able to handle the loan directly because of limited personnel, and may or may not be outsourced to some companies. However, when handling the loan, there are still some fees (generally 100 ~ 200 yuan), notary fees for notarization of the loan contract by the notary office, guarantee fees of the guarantee company, mortgage registration fees of the Housing Authority, etc. These fees are 600 yuan's agency fees, which are somewhat unreasonable.
It can be understood as (our company doesn't charge, but when I bought a house, the developer charged 200 yuan, which is considered as running errands), and there are property rights, and customers go to trouble themselves, but
You should take a closer look at the terms of your contract. There should be a loan clause on it. If at that time, there is nothing you can do.
Second, to buy a new house, do you find a bank by yourself or go to a bank loan recommended by the developer?
It is generally recommended to find a bank loan recommended by the developer. Because they are cooperative, there will be some preferential interest rates and the procedures will be easier. Of course, you don't have to find a developer to recommend it.
Third, buy faster loans or developers?
It is more efficient and safer for developers to run loans for the whole community or the whole building collectively. It's more troublesome to do it yourself. It is better to suggest that developers do it.
Housing loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing. The borrower must provide a guarantee when applying for a personal housing loan. Mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and the purchased real estate enterprises provide regular guarantees. The interest rate is the interest on borrowed funds. Interbank lending rate is the interest of interbank lending funds. Overnight rate is an indicator of short-term liquidity of funds. The bigger overnight rate is, the stronger the stock market expectation is. If the interest rate exceeds a certain amount, it will hinder the flow of funds. Without the supply of funds, it will be difficult for the stock market to maintain a high level.
Four, buy a new house, the loan is to find their own bank, or go to the bank loan recommended by the developer.
Loan to buy a house does not have to be in the bank designated by the developer. However, developers have their own cooperative banks, and developers' associations and banks have agreed that "a certain proportion of personal housing loans must be handled in this bank", usually 60%-70%. At the same time, before the real estate license is issued, the property will also provide a certain guarantee fee to the bank. In addition, the cooperative bank promises to give priority to the efficiency of loan approval and next payment. : Housing loan approval process: 1. Apply for a loan from the bank. Submit the original and photocopy of identity documents (referring to resident identity cards, household registration books and other valid residence certificates). Non-locals also need to provide valid certificates and copies of their spouses. If the borrower and spouse are not in the same household registration book, they must also provide a marriage certificate, 30% of the house price, 40% or more of the self-raised deposits of non-locals and proof of economic income issued by the work unit with repayment ability. 2. Determine the loan amount and term. If you are a resident of this city, the maximum loan amount is 70% of the house price, and the loan period is up to 20 years. For foreigners, the maximum loan amount is 60% of the house price and does not exceed 300,000 yuan, and the longest loan period is 10 year. Of course, this is a local policy. Provident fund loans and commercial loans have different requirements for loan terms. 3, the loan bank review. The loan bank examines the materials and certificates provided by the borrower, mainly examining whether the borrower belongs to the borrower, whether it meets the loan conditions and whether it has enough ability to repay the loan principal and interest, then determining the actual loan amount, and telling the borrower to promise the loan, and then signing the contract. 4. Notarize the house mortgage contract. After the contract is signed, you should go to the local notary office to notarize the mortgage contract, and the notarization fee shall be borne by the loan bank. Then, with the mortgage contract notarized by the notary office, go to the real estate registration department of the district and county where the purchased house is located, go through the insurance formalities of the purchased house and wait for the loan.