The bank has relevant regulations on the repayment time of bank mortgage. Generally, it is only after the house is capped that the relevant mortgage procedures are started, and the bank will notify the customer to repay after approval. Because there is a certain time distance between the signing of the commercial housing sales contract and the capping of commercial housing, it is impossible to determine the time clearly. This is an auction.

The repayment of existing homes will be determined according to the relationship between developers and banks.

Second, buy a house down payment loan, follow-up owing on the loan?

First, according to the relevant regulations on buying a house, the down payment for buying a house is not allowed, at least it is not allowed to take a mortgage (whether it is a provident fund or a commercial loan). Therefore, if the down payment is a loan, it is obviously using other loans.

Second, if the bank finds that the down payment for house purchase has been misappropriated by other loans, the bank will ask the owner to pay off other loans before issuing the mortgage.

I have a friend who bought a house somewhere, and it has been completed for more than 3.2 million yuan. Due to policy reasons, 50,000 of the down payment of more than 900,000 is a credit card, so she has to pay off the credit card debt first.

Third, buy a house down payment loan, follow-up owing on the loan?

This method is best not to be used. First of all, you can use your partner's house to go to the bank as collateral, although you can solve the down payment of buying a house again. On the surface, it can solve your current economic situation, but you will face double interest in the future. Loan interest and mortgage interest, even if you can bear the interest of a new house, you should also think about the interest of another house, especially the mortgage interest is very high. Think it over before you do it, otherwise it will be very troublesome in the future.

4. When will the mortgage be paid back after paying the down payment for buying a house?

Usually, the loan will be repaid the next month after the bank lends money.

1. The repayment date is subject to the date stipulated in the mortgage agreement signed by the buyer and the bank. The first repayment month is the latest repayment date after the bank lends money.

2. If you are buying an auction house, it is more difficult to determine the time. According to the relevant regulations, developers can only apply for mortgage after obtaining the pre-sale certificate. Usually, multi-storey houses can only apply for pre-sale certificates if they are capped, and two-thirds of the high-rise buildings can also apply for pre-sale certificates.

3. Mortgage process: bank acceptance-approval-customer approval-customer approval notice-loan preparation-customer loan notice-customer monthly repayment.

4. If the document is not approved, the customer will be informed of the details and requirements of the missing materials, and the customer should supplement them in time. If the materials are approved in the shortest time, the faster the payment will be.

Mortgage loan refers to a loan business conducted by mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee.

The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.