Generally, you will go through the loan formalities after signing the down payment, but you won't lend money immediately, because the current rule is that the bank can only lend money after the main structure of the house is capped, which means you don't have to repay the loan before the back cover of the house is sealed. So you should pay attention to when the house is capped, so you can probably figure out when to start repaying the loan, and then add the down payment before the bank lends money, so that you can borrow less.

If the developer wants to charge a loan service fee, then you can tell them that you can find a bank loan yourself. Banks that are not designated by developers can also give you loans. Now many banks have non-designated real estate mortgage business. You can ask the customer service numbers of several banks at will. The bank is happy to do it, and you don't have to listen to the developer.

2. How long does it take for CCB to approve the loan?

It usually takes about 2 weeks for the mortgage bank to approve the loan and then lend it. After approval, an interview will be required. After the face-to-face signing is completed, a mortgage contract will be signed, and the loan will enter the lending stage after the contract is signed. For users, the whole process of applying for a mortgage takes about 1-2 months, and it will take longer if the bank is short of money. 1, housing provident fund loans are slow. Individuals apply for housing mortgage loans. Because of the low interest rate of personal housing provident fund loans, many people like to apply for such loans to buy a house. But at the same time, this kind of housing loan is slow, and it usually takes about 1-2 months to lend. If it is slower, it will take half a year in some areas. 2. Mortgage loan for commercial housing is about 1 month. Most people who apply for housing mortgage loans are commercial loans from banks, which are faster than housing provident fund loans. At present, the lending time of many banks is about 1 month. Some banks lend money for a short time. 3. If you want the bank to lend money quickly, you can lend money with a receipt and lend money within 3 working days after the transfer. 400 yuan guarantee fee is required. If you use other documents to lend money, it usually takes 15 to 22 working days to get the real estate license, and the bank will lend money 3 to 5 working days after getting the real estate license. How can we speed up mortgage lending? When banks are short of funds, the speed of mortgage lending is relatively slow. At this time, many people are anxious. For example, some people can live in the house normally after the mortgage is approved, and treat the house as a wedding room. Bank lending is slow. What can be done to improve the speed of mortgage lending? In fact, although the bank's lending speed is relatively slow in the case of tight funds, some users can still lend money quickly. There are three main reasons why the lending speed can be accelerated. First, it has something to do with banks. If you know someone in the bank, these people can talk in the bank and ask him to say hello to the examination and approval department, so that you can get a quick loan through the back door. Second, there is a large deposit in the bank. If everyone is a big customer of the bank, or has a large deposit in the bank, then you can realize rapid lending through the green channel. Third, let banks float higher loan interest rates. When the bank is short of funds and everyone is waiting in line, then the bank will choose the best loan and choose a higher loan, that is to say, who is willing to bear the higher loan interest rate, then the bank may give priority to lending.

3. How long does it take to enter the auction provident fund?

The approval time for housing provident fund loans is usually 7- 10 working days. Customers usually apply for provident fund loans from the date when banks apply for housing provident fund loans. The branches of the provident fund center generally need two working days to review, and the longest is no more than three working days. After receiving the materials from the branch, the provident fund audit center generally needs three working days to conduct the audit. The above is the relevant content of how long it usually takes to review the provident fund.

4. What are the procedures for buying an auction loan? What are the procedures for buying an auction house?

When it comes to real estate, people seem to have their own ideas. Many people will also know about faster and existing houses when buying a house. In the process of buying a house, people will find that both faster and existing houses have to go through the formalities to buy a suitable house. What procedures do they need to go through to get a loan to buy an auction house? What are the procedures for buying an auction house? When it comes to real estate, people seem to have their own ideas. Many people will also know about faster and existing houses when buying a house. In the process of buying a house, people will find that there are also differences in procedures between faster houses and existing houses. People want to buy a suitable house, so what procedures do they need to go through to get the money they want as soon as possible? What are the procedures for buying an auction house?

What procedures do I need to go through to buy a faster loan?

1. After the new house loan comes down, a loan contract needs to be signed. 2. Wait for the bank to register the mortgage notice with the local housing management department, and then go to the bank to sign it. 3. Wait for the bank to lend money by phone, and keep the mobile phone contacts open during this period. 4. Get the key to the house.

The first step in buying a new house is to choose a house. There are "five certificates and two books" in buying a house. Only a house with complete five certificates means that the house developed by the developer is legal.

When choosing a suitable property, buyers should first understand that the property right of ordinary houses should be 70 years, which depends on the matching and matching of properties.

What are the procedures for buying an auction house?

1. The process of purchasing the auction house has been signed.

After the official sale of commercial housing auction begins, a marketing center will generally be set up, and the buyer will pay the deposit after agreeing with the property. The seller shall truthfully introduce the real estate report, relevant publicity materials and legal documents to the buyer. After signing the subscription agreement, the seller shall provide the buyer with "Instructions for Signing the Agreement" so that the buyer can know the next link and related details of signing the agreement.

2. The process of buying an auction house includes signing a sales contract.

After signing the subscription agreement, the purchaser should sign at the designated place within the time stipulated in the subscription agreement: the domestic commercial housing sales contract, the domestic commercial housing pre-sale contract, the export commercial housing pre-sale contract and the affordable housing sales contract are the most important links in the whole purchase procedure, and the contract is also the most important legal document in sales. A contract is usually made in quadruplicate, with each party holding one original. Two copies, real estate agency and local housing management office.

3. There is pre-sale registration in the process of buying faster houses.

Buyers and sellers only need to register for pre-sale. The Buyer and the Seller shall apply to the Market Department of the Housing and Land Administration within 30 days after signing the contract. At the same time pay stamp duty. During this period, if the buyer transfers the purchased property, the buyer and the transferee shall apply for transfer registration in the market with relevant documents within 15 days after signing the contract, and the market shall notify the seller within 10 days after applying for transfer registration.

4. The process of buying an auction house includes signing a management convention and applying for occupancy.

After the purchaser settles the house payment according to the relevant terms of the contract, the real estate agent will issue a notice of occupancy and arrange for the purchaser to contact the property management company. Property management companies will issue property management conventions and charging standards to property buyers. Property buyers and property management companies to sign a management convention, settle management fees, you can take the key to stay.

What procedures do I need to go through to buy a faster loan? What are the procedures for buying an auction house? The above content is a concrete introduction to the purchase of faster houses. On the issue of buying a house, everyone should seize the opportunity around them to buy a house, and there must be a specific process. Only when everyone has mastered the whole process can they buy what they want quickly.