After receiving the loan application from the customer, the bank will immediately review it according to the information provided by the customer. After the first trial is passed, the appraisal institution will evaluate the value of the house and issue an appraisal report. Then the bank will conduct the final audit, and when the final audit is passed, the customer will be informed to come to the outlet to sign the loan contract within the agreed time.
After receiving the notice, the customer naturally needs to go to the bank to sign the contract and go through the mortgage registration and other related procedures. After the formalities are completed, the bank will lend money.
If the customer fails to apply for a loan from the bank in time after paying the down payment, it will also affect the progress of the follow-up process. At that time, if the real estate developer fails to receive the remaining house payment, there may be disputes.
What should I pay attention to when handling a mortgage?
1. When banks evaluate the repayment period of mortgage loans for borrowers, they should first take age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, and the older the age, the shorter the loan period. Under normal circumstances, "the lender's age+the loan period does not exceed 65 years" is the loan period that the bank can handle for it.
2. When the lender buys real estate, the "age" of the purchased real estate will determine the loan period. According to the regulations of the bank, it is easier to get a loan for a property with a newer room. For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses.
3. For applicants who buy a house by loan, factors such as work income, job stability, savings deposits and assets are also factors that banks consider, and they are also factors that measure the application time of their loan years. Borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure. For example, 70% 10 or 15, or even 60% to 50% loan scheme. Borrowers with poor economic strength should pay attention to whether their economic conditions allow them to bear greater repayment pressure. If the bank's reputation and qualifications are good, such people may get loans as high as 80% to 20 years.