Bank loans are generally issued at the beginning of the month. Under normal circumstances, the bank approves the loan amount at the beginning of the month, and then distributes it to the lender according to the queuing order. The loan date is generally around 10 per month. If you do not receive the loan amount at the beginning of the month, you can consult the customer service of the loan bank.

When will the repayment start after the mortgage loan is released?

1. Generally, there are two situations: one is to repay the loan in the current month, and the other is to repay the loan next month.

2. Generally, after the case is closed, the counter will inform you of the loan materials, and the relevant notice issued by the bank will inform you of the repayment date and amount. It is recommended that buyers consult the loan bank in detail.

Related instructions:

1. If the principal and interest of the loan are repaid on a monthly basis, the specific repayment period and repayment date shall be implemented according to the contract, and the borrower shall repay the loan on a monthly basis from the second month after the loan is issued. The last principal and interest shall be repaid on the due date stipulated in the contract. The interest of the first installment and the last installment agreed in this contract shall be calculated according to the actual number of days, and the interest payable in other installments shall be calculated on a monthly basis.

2. Housing loan, also known as housing mortgage loan, refers to the application form for housing mortgage loan filled out by the purchaser to the loan bank, as well as the supporting documents required by legal documents such as ID card, income certificate, housing sales contract and guarantee letter. After passing the examination, the loan bank promises loans to the buyers, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank directly allocates loan funds within the time limit stipulated in the contract.

What is the process after mortgage loan?

(1) For borrowers who buy first-hand houses. After the loan is approved, the bank will directly issue the loan to the account of the real estate developer. The matters needing attention of the borrower are:

(1) After receiving the notice from the bank, the borrower should remember to get the loan contract, repayment details and repayment account bank card (discount).

(2) The borrower should remember to ask the real estate developer for all invoices.

(3) After completing the mortgage formalities, the borrower should remember to get back the real estate license.

(4) According to the bank repayment details, the borrower repays on time every month to prevent his credit record from being defiled.

(5) The bank can confirm the borrower's information and real estate purchase through callback. Borrowers should not miss the bank's call back.

(2) For borrowers who buy second-hand houses. The bank will release the loan to the account provided by the seller after receiving the copy of the deed tax ticket and the original notice of receiving the certificate provided by the buyer. The matters needing attention of the borrower are:

(1) Provide the bank with the account opened by the seller for the bank.

(2) The borrower should remember to get the loan contract, repayment details and repayment account bank card (discount).

(3) According to the bank repayment details, the borrower repays on time every month to avoid overdue repayment and affect its credit history.

(4) The bank can confirm the borrower's information and real estate purchase through callback. Borrowers should not miss the bank's call back.