Generally, the down payment is required within 15 working days after the down payment is paid. Of course, it can also be agreed with the developer. In fact, as long as the five certificates are complete, it is ok for the developer to pay some down payment earlier, and the down payment can also be agreed as part of the down payment when it is delivered. After the commercial housing sales contract is signed, the subscription agreement signed when the down payment is paid automatically becomes invalid, which can also save some expenses.

When applying for a mortgage loan, you need to submit the relevant materials required for mortgage to the bank designated by the developer or the local bank to apply for a mortgage loan. The bank will review the personal materials and notify the borrower to sign a mortgage loan contract with the bank after the review is passed. Generally, it takes about a month for a loan to arrive. After receiving the notice, the monthly payment will be made in the next month, and the full repayment will be made at regular intervals according to the repayment date signed with the bank. Therefore, the purchase of the auction house is based on the first repayment and then the delivery.