Mortgage repayment is not determined by the delivery time, so it does not start after delivery. Generally speaking, buyers, whether buying existing houses, faster houses or second-hand houses, need to start repayment in the second month after the bank loan is successful. 1. There are several ways to repay the mortgage: 1. One-time repayment of principal and interest is actually a way of prepayment. Property buyers may apply for a loan to buy a house because they couldn't let go at that time, and they will consider prepayment when they have spare money. The bank's stipulation for this repayment method is that if the loan term is within one year (including one year), the principal and interest will be repaid at the maturity, and the interest will be paid off together with the principal. 2. The method of repaying the principal and interest on schedule depends on the specific situation. If the buyer chooses to repay the principal and interest on schedule, the borrower needs to negotiate with the bank to make different repayment time units for the repayment of the loan principal and interest. There are two main ways to repay the principal on schedule, and buyers can choose according to their own situation. II. Matters needing attention in mortgage repayment 1. Changes in monthly repayment amount. It should be noted that the monthly repayment amount of mortgage is not necessarily fixed. Sometimes the benchmark interest rate of the bank changes, and the monthly supply may also change. Therefore, we must open a repayment reminder, always pay attention to the repayment record of the mortgage, and avoid overdue due to insufficient repayment. 2. Repaying the loan in advance does not mean that it cannot be repaid in advance. You just have to judge according to your actual situation. If the repayment time is more than half or you enjoy preferential mortgage interest rate, then it is not suitable to repay the loan in advance. At least you can use your savings for other investments and wealth management, and you may earn more. In the case of inflation, it is more cost-effective to go to the back. If you repay the loan in advance, you may have to pay more interest. Judging from the repayment period of 20 years, it is very likely to pay hundreds of thousands of interest. 3. Delayed transfer Nowadays, many people choose to bind their bank cards and remit money to them at a fixed time. Sometimes banks will have system problems or upgrades, which will delay repayment and may cause overdue. Therefore, it is recommended to check the repayment date of each month to see if the bank automatically deducts money. If not, it should be operated manually. 4. Release the mortgage If the mortgage is not released after paying off the mortgage, the ownership of the house still belongs to the bank, so don't forget to release the mortgage after paying off the mortgage.

2. Does the mortgage repayment start from the delivery of the house?

There is no correlation between mortgage repayment time and delivery time. The borrower usually starts to repay the mortgage in the second month after the bank lends money. Banks will start to calculate loan interest after lending.

As for the delivery time, it is basically after the developer gets the house payment. Developers generally have to wait until the borrower and the bank sign a loan contract, and the bank can get the house payment after lending.

In detail, the process of buying a house by loan is mainly as follows: house inspection, agreement between the buyer and the seller, buyer's down payment-buyer's application for mortgage in the bank-preliminary examination of the bank, house inspection-final examination of the bank-buyer's down payment, house transfer, real estate license-buyer signs a loan contract with the bank and registers the house mortgage-the bank lends money to the seller and delivers the house-buyer repays the loan.

As for the specific repayment date, the bank will agree with the borrower in advance and inform the borrower when lending.

Third, did the mortgage start to be repaid after the house was handed over?

Time to repay the mortgage:

1. First of all, in principle, the time for handling the loan can be negotiated with the developer, because this is the agreement on the payment method in the contract. In terms of payment, it is generally agreed that the time of down payment and the time of mortgage loan arrival. But in practice, it is decided by the developer. Generally speaking, the developer is relatively strong.

2. Under normal circumstances, after the down payment is completed, the developer will issue an invoice, and the bank will formally go through the mortgage formalities after obtaining a copy of the down payment invoice. After the loan was approved, the mortgage was proved, and the bank began to repay the loan the following month after the loan was made to the developer's account.

Therefore, the loan has nothing to do with the speed of housing construction and housing delivery.

PS:

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 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.

4. Is the mortgage paid back from the delivery of the house?

For example, after your loan is approved, if your monthly repayment date is 20th and your repayment date is August 1, then your first repayment date is September 20th.