But as long as the customer pays off the mortgage, he will go to the local housing authority to understand the mortgage procedures. When the house is released from mortgage registration, it truly belongs to the customer, and the customer can add his name to the real estate license at that time.
Of course, it should be noted that if the man buys a house after marriage, and the same spouse does not clearly stipulate the ownership of the house and notarize it, even if the name of the woman is not on the real estate license, the house will be judged as shared by both husband and wife.
If the man wants to add the woman's name to the real estate license as soon as possible, he can choose to repay in advance. After prepayment, we will choose to shorten the repayment period and keep the monthly payment unchanged. In this way, customers can settle their debts earlier, cancel the mortgage registration and have full ownership of the house.
Matters needing attention in buying a house by loan
1, provide real information and avoid the impact of loans. Just need buyers to apply for personal housing from the bank, the bank will generally require buyers to provide corresponding income certificates (including personal occupation, position, salary and other economic income).
If mortgage buyers provide false materials to the bank, it may have a serious impact: it will affect the bank's audit, and ultimately it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for mortgage loans, which leads developers to ask buyers to bear the overdue delivery of mortgage information and pay a considerable sum of money.
2. Be careful not to let the developers confiscate the unsuccessful ones.
Under normal circumstances, property buyers can apply for mortgage loans from banks after signing contracts with developers, and finally sign mortgage loan contracts with banks. However, due to the uncertainty of whether the mortgage loan can be successfully applied, buyers should attach great importance to the success of the loan application. Because in real life, there have been many unsuccessful mortgage loan applications, and developers insist on not refunding the down payment of buyers.
When the buyer signs a house purchase contract with the developer to pay the down payment, it must be clearly stipulated in the contract that if the buyer applies to cancel the house purchase contract because the mortgage loan has not been approved by the bank, the developer shall fully refund the down payment paid by the buyer to avoid the loss of the down payment.
3. It is best not to sign the "cross-breach clause".
In the current consumption of the property market, developers sometimes require to sign a cross-default clause in the mortgage loan contract or separately with the purchaser: that is, if the borrower fails to repay the mortgage on time, the developer has the right to buy back the house or terminate it at the original price.
Under normal circumstances, do not sign a "cross-default clause" with the developer. If you must sign or have signed similar terms, you must pay attention to timely repayment to avoid the situation that developers buy back or dispose of things because of personal default repayment.
4. Earnestly fulfill repayment obligations and prevent banks from recovering loans in advance.
Under normal circumstances, the mortgage loan contract signed by the buyer and the bank clearly stipulates the repayment period of the buyer. At the same time, it is generally agreed in the loan contract that "if the borrower is overdue for three consecutive periods or six cumulative periods, the bank has the right to collect the loan in advance and dispose of the mortgage collateral, and has the right to require the borrower to bear the dunning fee, lawyer's fee, legal fee, evaluation fee and other expenses incurred by the bank in realizing the creditor's rights". This is because if the buyer repays the loan in advance, it will affect the bank's income and capital arrangement plan. If the loan is repaid in advance within one to three years, the bank may require the borrower to pay the corresponding liquidated damages.
The borrower shall perform its obligations in strict accordance with the repayment time and amount agreed in the loan contract. If you really need to repay in advance, you should do the relevant work in advance to avoid causing losses to yourself.