1. After lending, the borrower needs to ensure that the loan contract is received before the monthly payment. After the general loan is over, the bank will mail the corresponding loan contract and repayment book to the borrower, so be sure to check it.

2. After the loan, the borrower needs to get all invoices from the real estate developer.

3. After the mortgage registration of the real estate is completed in the bank, the borrower should remember to go to the bank to retrieve the original real estate license.

4. The borrower shall repay the loan on time every month and keep the credit record.

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

For buyers who buy new or second-hand houses, the repayment usually starts from the month after the bank lends money, and the repayment date is the same every month. But if you buy an auction house, the repayment time is uncertain. Because the loan procedures handled by the auction house buyers are actually only the pre-approval of the bank, the real loan can not be carried out until the auction house gets the pre-sale certificate, and then the lender will repay the loan from the next month. Therefore, there will be an interval from the loan approval to the official repayment of the auction house buyer, and the length of the interval depends on when the housing construction can reach the pre-sale standard.

Will the loan be recovered after the loan is issued?

It doesn't matter if you use the loan after the mortgage is released, so don't worry about being recovered. However, borrowing does not rule out the possibility of credit investigation. After the mortgage loan is issued, the bank will conduct post-loan management from time to time to keep abreast of the borrower's credit and liabilities. If the loan record is found in the credit report, it may be required to settle the loan in advance.