1, after the loan contract is put on record
Under normal circumstances, bank mortgage loans are directly lent to third-party accounts. After receiving the loan funds, the developer will register with the local real estate bureau with the purchase contract.
After successful filing, the borrower needs to go to the real estate management department to get the purchase contract.
2. Bank card repayment, etc.
In addition to the completed contract, the borrower also needs to go to the developer to get the repayment bank card, loan contract and other related materials.
Because after the bank completes the loan, it will send the loan contract, repayment bank card and other related materials to the developer.
3. Invoice
After the bank lends money, the borrower still needs to go to the sales department to get all the invoices.
After the mortgage is paid off, the borrower should also remember to go to the bank to settle the loan, and then get the property certificate of the house.
Need to bring real estate license, other property certificates, original ID card, etc. Go to the real estate management bureau to go through the formalities of mortgage cancellation registration.
If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is anything unusual in your online hacking data, you can find that Beijian Quick Check can get your own big data and credit status, various index data, and you can query your personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.
Extended data:
What do you need to do after the bank loan?
Need to check whether the relevant procedures are complete.
1, check the contract and funds.
The borrower needs to check whether the bank loan amount is consistent with the loan amount he applied for, and whether the loan interest rate and repayment time are consistent with the contract.
Whether the loan funds have been credited to the developer's bank account.
Step 2 check the file
Generally speaking, after bank lending, borrowers, banks, developers, etc. Will get the mortgage contract, purchase agreement, repayment instructions, the corresponding notarial certificate and other documents.
If the borrower finds that his certificate is missing, he must remember to contact the bank in time and let the bank make it up to avoid some economic disputes in the future.
After the loan is completed, the borrower needs to repay the loan normally according to the specified date.
Once the borrower's mortgage is overdue, the bank will immediately call and send a text message to remind the repayment, and will also generate a penalty interest accordingly, which will affect the borrower's personal credit information.
The default interest rates of different lending banks are different, which are basically 30% to 50% higher than the original loan interest rate.
The comprehensive calculation is still relatively high, so we must repay the loan on time and plan rationally.