You can stop spending before the loan is issued. But after the loan is approved, the housing loan will go directly to the developer, and you can't decide whether to spend it or not. As long as the loan is approved after the signing of the house purchase contract, it will generally be spent. And the loan can be refunded. You can look at the terms of self-prepayment, which is good. Theoretically, you can entrust others to handle it, but it is difficult for you to handle all the entrustment procedures at once. Some formalities must be handled in person.

2. What are the procedures for refunding the loan deposit? And these steps!

Loans should be familiar to everyone. At present, there are various products for loan, and some products need to pay a deposit. What should I do if I can't continue lending when I encounter problems? What are the procedures for refunding the loan deposit? This is a problem that many people are very concerned about. Today, this article will talk about the relevant content.

1. Can the loan deposit be refunded? You can return it. In the process of handling mortgage loans, in order to avoid risks, banks will draw a certain percentage according to the loan amount and charge fees to developers. After the mortgage registration of the real estate license is completed, the bank will refund the loan deposit. If the buyer defaults in the process of repaying the loan, the developer will repay it, and the bank has the right to deduct the amount from the deposit. 2. What are the procedures for refunding the loan deposit? 1. First of all, the loan deposit must be refunded under certain conditions. If you are not satisfied, not only can you not refund, but the deposit will also be lost. The money will be refunded by the bank. 2. After paying off all the mortgages, the buyers must go to the bank for settlement, and go to the Housing Authority to apply for the real estate license with the certificate of rights and other materials. After the bank handles the mortgage, the money can be returned to the developer. 3. Developers can follow up in time. After receiving the returned deposit, it needs to be returned to the buyer within seven working days, and the buyer will take the relevant documents of the house to collect it. The above is the relevant content of what procedures are needed to refund the loan deposit. The mortgage process is very complicated and there are many points to pay attention to. Before paying the fee, it is best to consult the details such as the purpose, refund and breach of contract, so as to avoid unnecessary trouble.

Iii. About the loan refund procedures.

You can stop spending before the loan is issued. But after the loan is approved, the housing loan will go directly to the developer, and you can't decide whether to spend it or not. As long as the loan is approved after the signing of the house purchase contract, it will generally be spent.

After the loan is issued, it can only be repaid in advance and cannot be refunded. You can look at your loan contract. What are the terms of prepayment? This is in line with the contract.

Theoretically, you can entrust others to handle it, but it is difficult for you to handle all the entrustment procedures at once. Some formalities must be handled in person.