The state has relevant regulations that banks will not issue loans until the main body of the house is capped. However, after the house is capped, if the buyer fails to fulfill the responsibility of handling and repaying the loan, it is a unilateral breach of contract by the buyer, and the directors have the right to dispose of the house separately.
If you need to apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and hand over the information to the staff. If not, it is generally necessary to directly contact the personal loan department at the local counter to provide personal information and the purchased property for application.
Extended data:
The specific procedures for property buyers to apply for real estate mortgage are as follows:
(1) Property buyers who want to obtain real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn in advertisements or through the introduction of sales staff that some projects can apply for mortgage loans, they should further confirm whether the real estate developed and built by developers has obtained the support of banks to ensure the smooth acquisition of mortgage loans.
(2) After confirming that the selected property is supported by bank mortgage, the buyer applying for mortgage loan should know about the bank's regulations on mortgage loan support to the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form.
(3) The bank that signed the house purchase contract receives the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) After signing the house purchase contract and obtaining the payment voucher, the buyer will sign the Building Mortgage Loan Contract with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan.
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