1. When you apply for a mortgage, you must do what you can. Many people think that the more quotas we can get, the better. However, it is not a good thing to have too many quotas. The money from the loan must always be repaid with interest. If everyone has a long time and a large loan amount, then the interest paid may be more than the principal, and they will face great repayment pressure every month. Once the loan is not paid, the house and money may not be their own.

2. The documents required by the bank must be prepared in the same way. One of them is very important. If the credit card repayment is overdue, you must apply clearly or make relevant certificates.

3. When applying for a mortgage, ensure the authenticity of the information. No matter what procedures are handled in the bank, the consequences of using false materials are quite serious, especially when lending money. In view of this, this will have an impact on the review of the World Bank. If the circumstances are serious, the loan application may be rejected because the materials are untrue. It is also possible for developers to let buyers bear the responsibility for breach of contract and compensate a large amount of liquidated damages.

Generally speaking, the two most mainstream repayment methods are equal principal and interest of average capital. If the average capital is selected, the total interest will be reduced, but the pressure in the early stage is greater and will gradually decrease in the later stage. If you choose equal principal and interest, you need to pay more interest, but the monthly repayment in the early stage is less than the first method.

5. Some lenders may forget to repay the loan in time because of their busy work, and they are overdue because they didn't notice the notice from the bank. When it is discovered, the influence is very bad. This situation must be avoided.

Who has the real estate license of mortgage to buy a house?

Mortgage to buy a house real estate license is placed in the loan bank. After paying off the mortgage, the bank will give the mortgage buyers a stamped list, and in a few days, they can go to the bank to get property rights and other warrants. Mortgage buyers need to cancel the core loan for local real estate transactions.

When will the real estate license be given?

1. mortgage to buy a house According to the Measures for the Administration of Commercial Housing Sales issued by the Ministry of Construction, within 60 days from the date of delivery of commercial housing, the developer must submit the information required by the developer for the registration of housing ownership to the real estate department where the house is located. Otherwise, if the developer defaults, the time for the owner to get the real estate license will be delayed.

2. mortgage to buy a house According to the Regulations on the Management of Real Estate Development and Operation and the Measures for the Management of Urban Commercial Housing Pre-sale, the purchaser of the pre-sale contract shall apply for the real estate license within 90 days from the date of delivery of the commercial housing; Existing buyers should apply for real estate license within 90 days from the date of signing the sales contract.

3. The time for mortgage to buy a house to obtain the real estate license first depends on the contract you signed with the developer. The handling of real estate license is subject to the contract, and it depends on how the contract is agreed. If the processing time stipulated in the contract is exceeded, the developer shall bear the relevant liability for breach of contract.

4. The mortgage house can have the real estate license, whether it is an existing house or an auction house, or what kind of payment method.