Can you get a loan if the house is not capped?

You can get a loan if the house is not capped, which does not affect the mortgage loan. It needs to be clear that China allows the pre-sale of commercial housing, and you can get a loan as long as you have the Pre-sale Permit for Commercial Housing. And the developer has paid the transfer fee for land use right, obtained the certificate of land use right, and can apply for mortgage loan with the project planning permit.

1. Submit a loan application

After the buyer and the seller sign the house sales contract, they can apply for a loan from the bank. The lender needs to submit the application materials to the bank for review first, which is a necessary step for the loan.

2. The bank accepts the investigation

After receiving the loan application materials, the bank will review them. The review time is about half a month, and the longest is no more than one month. During the audit period, the bank sometimes asks the lender to supplement some materials, so the lender needs to keep in touch with the bank during the second period.

3. After the bank verifies and approves

, the bank will also verify and approve the housing situation and the borrower's qualification and credit, which is an important link in the loan process. If the loan has a bad credit record, it can't be successful, so the lender must ensure a good credit record.

4. After both parties have gone through relevant formalities

After approval, the applicant should open an account in the bank, get a debit card, sign a loan contract, and go through relevant guarantee procedures such as mortgage and guarantee. When signing a loan contract, you must know the contents of the contract in detail to clarify your rights and obligations.

5. Lending by the bank

After all the formalities are completed, the bank will transfer the loan funds into the developer's account, and then the lender only needs to repay the loan according to the regulations.

xiaobian's summary: the above is the content about how to get a loan if the house is not capped. I hope it will help everyone! When handling a loan, not only the house itself must meet the conditions, but also the lender must meet the loan conditions.

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