Bought a house and paid a down payment. The loan will be repaid the next month. Under normal circumstances, after the down payment is completed, the developer will issue an invoice, and the bank will formally go through the mortgage formalities after obtaining a copy of the down payment invoice. After the loan was approved, the mortgage was proved, and the bank began to repay the loan the following month after the loan was made to the developer's account.

What is the process of buying a house loan?

First of all, go to the bank to understand the relevant situation. And check the personal credit information to see if it meets the loan conditions. Then accept the bank's review of you and determine the loan amount. Those who meet the loan conditions can sign a house purchase contract with the developer and provide relevant loan materials (husband and wife ID card, marriage certificate, household registration book, income certificate, down payment receipt, proof of no room, etc.). ). Then sign a loan contract with the bank, and the bank will handle insurance. Handle the registration and notarization of property right mortgage. The rest is the cancellation of registration after the bank issues the loan and the borrower repays the loan every month and pays off the principal and interest.

1, the applicant brings information to the management for consultation, application and filling out the application form; After examination and approval, issue a notice of entrustment to the applicant;

2. After receiving the notice, the applicant brings the original to the bank to sign the contract, etc. , and at the same time in the notary office for notarization procedures; The applicant holds the signed contract information until the house seller seals it; The applicant holds a secured loan contract (mortgage contract) to the municipal real estate management office for mortgage registration;

3. The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the notice of transfer, and then holds the notice of transfer to the bank for transfer procedures.

What is a home loan calculator?

1, loan calculator provided by commercial banks.

This kind of calculator is characterized by relying on the bank website platform and high credibility; The disadvantage is that the calculation conditions are simple, mainly theoretical calculation, regardless of reality. For example, the calculation formula of daily interest rate is generally: daily interest rate = annual interest rate/360; The calculator provided by the bank is generally calculated according to 365, which is different from the actual situation.

2. Real-time mortgage interest rate calculator provided by real estate website.

This kind of loan calculator is generally based on the loan calculator on the bank website, with little or no change, and its shortcomings are similar to the previous article.