It's not on your own card, but directly transferred to the seller's account by the bank.

In the loan contract, it is often agreed that the loan will be paid directly to the account of the property owner or developer. The general relaxation procedure of housing mortgage loan is to transfer the money to the lender's account first, and then give it to the seller from the lender's account.

But this is only a process, and it is only a moment, and it is frozen in the lender's account. I can only see that the money can't be taken out, and the lender can't use the loan at all. The purpose of the bank to do this is to test the authenticity of the use of funds. The housing loan applied for can only be used for housing consumption and cannot be used for other purposes. The second is to ensure the safety of the seller's funds.

Mortgage, also known as house mortgage. Mortgage refers to the documents that the buyer must submit according to legal documents, such as filling out the mortgage loan application form to the bank and providing ID card, income certificate, house sales contract and guarantee. After passing the examination, the bank promised to issue loans to the buyer.

And according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers, the real estate mortgage registration and notarization will be handled, and the bank will directly transfer the loan funds into the bank account of the selling unit within the time limit stipulated in the contract.

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Mode:

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.

Guarantee fee:

In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank.

If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.

Reference link: Baidu Encyclopedia: Mortgage

Is the post office bank mortgage loan placed in the buyer's account?

The mortgage loans of various banks are all credited to the seller's account. When applying for a mortgage at the Postal Savings Bank, the house payment will be paid to the buyer's account first, but the buyer can only receive a text message, and can't withdraw cash or transfer money during the period, and will directly transfer it to the seller's account.

The application procedures for consumer loans of Postal Savings Bank are complicated, and many of them need to provide guarantees or mortgages. Not only should the borrower's personal data be reviewed, but also the loan guarantor's data or the mortgaged assets should be reviewed. The review speed is slow, generally speaking, it will take half a month at the earliest to lend money. If the borrower applies for a credit loan, the review speed will be faster, and the payment can be received within a few working days at the earliest.

Extended data:

Postal savings bank loan lending process:

1. The borrower applies for a loan;

2. The accepting bank shall review the customer's qualifications and the loan materials submitted, and review the authenticity;

3. The staff will go to the applicant's production and business premises and family residence for on-the-spot investigation;

4. Submit relevant materials to employees for approval;

5. The staff contact the applicant and prepare to sign a loan contract;

6. Lend money after signing the contract.

References:

Postal loan-Baidu encyclopedia

China Postal Savings Loan-Baidu Encyclopedia

Is the bank's real estate mortgage directly credited to the personal account?

According to different situations.

Real estate mortgage loans are mainly divided into personal consumption loans and commercial loans.

If you do it in your own name, the money will be transferred to your own card.

If you make commercial loans, you have to put them into a third-party account.

There is also a kind of consumption. If the amount is small, you can directly enter your own account. If the amount is large, you still need to enter a third-party account. This is a way for banks to control risks and control fraudulent loans.

I. Application procedures for handling loans:

1. Signing subscription book: The customer signs subscription book with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company.

2. Application: The customer goes to the law firm entrusted by the bank to apply for mortgage, including submitting personal data, paying various fees and filling out legal documents.

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged.

4. Other legal procedures: the law firm handles insurance, notarization and mortgage registration of collateral.

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

2. To apply for a personal loan, you need to meet the following conditions:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.

2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.

3. Have a good credit record and willingness to repay, and no bad credit record.

4. It can provide legal, effective and reliable guarantees recognized by banks.

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

6. Other conditions stipulated by the bank.

3. Personal property that can be used for mortgage loans

1, real estate, including real estate and real estate (land use right rather than ownership);

2. Securities, such as treasury bills, public bonds, financial bonds, cashier's checks, bank drafts, bank acceptance bills, corporate bonds, company stocks and insurance policies;

3. Mechanical equipment, such as power equipment, transmission equipment, working machinery equipment, tools, instruments, production equipment and transportation equipment. ;

4. Current assets, such as raw materials, fuels, commodities and bills of lading;

5, private property, including private means of production and means of subsistence, such as machinery and equipment, real estate, current assets, securities, tangible assets, jewelry, etc. ;

6. Intangible assets, such as contracts, bonds, goodwill, copyrights, trademarks, patents, franchises, etc.