Developers usually let users go to designated banks to apply for mortgages to help solve problems. Developers generally have cooperative banks, where users can apply for mortgages, and generally can easily pass the mortgage review. Of course, users can also choose their own banks to apply for mortgages. If there is no cooperation between developers and banks, it will be more difficult for users to apply for mortgages.

What are the weaknesses of small developers compared with big developers?

1, small developers have little development experience and are basically local private enterprises. The number of residential areas developed is limited to the local area, and the number of residential areas developed is very small, and some of them are involved in the real estate industry for the first time. So the obvious problem is that quality is often not guaranteed.

2. Small developers can't keep up with property management, and they are often unknown small property management companies. Large developers often choose property management companies with first-class qualifications to provide long-term and sustainable services in sanitation, greening and management.

3. Small developers can't keep up with the key supporting facilities. Due to the limited funds of small developers, the scale of land acquisition is often relatively small. Therefore, there are few key supporting facilities that can meet the needs of owners, such as schools.

4. The problem that the funds of small developers are easily limited. This problem is quite common. Take the property market in Jinan as an example, there are many well-known uncompleted residential flats that have been left unfinished due to capital fracture. A real estate on Jingshi Road was close to delivery, but it was "unfinished", forcing buyers to start building houses with their own pockets.

5. There is not much room for small developers to add value in the future, and brand, as an influential external performance, often brings intangible value-added potential and space. After all, the brand is also a symbol of strength.

What should the owner do when the developer delivers the house?

1, check the certificate. The developer requires the owner to show the relevant acceptance certificate when inspecting the house, and the developer shows the comprehensive acceptance record certificate of the commercial house, and provides the quality guarantee of the commercial house, the instruction manual of the commercial house and other materials.

2. Check the water and electricity. Whether the water and electricity of the house can be used normally, whether each socket is electrified normally, whether the water pipe can be launched normally, and whether the line is buried in the wall to avoid hidden dangers in later use.

Step 3 check the wall. Check whether the wall of the house is straight, tap the wall with an empty drum hammer, and check whether there is an empty drum. If there is any, notify the developer in time so that the developer can ask someone to handle it.