If the house is 1 10,000, you pay 200,000 down payment, and another 800,000 will be given to the developer at one time, and then you will return the money to the bank every month. Short for mortgage. At present, all projects are operated in this way, and you have to repay the loan before the house is built. Although it is unreasonable, it is a routine.

If I mortgage all the debts except the down payment at this time, I won't have a chance to inspect the house. Is this feasible?

First of all, if you don't apply for a mortgage and can't pay off the balance at one time, then be careful that you can't get your down payment back and buy a house.

Secondly, even if you apply for a mortgage, it is between you and the bank. This house is yours, and the developer can't care how you buy it. 1 10,000 house price, although the bank lent the money to the developer, this house is yours, although it was handed over to the bank.

It is illegal to sue them for buying a house with a loan and not letting the house be inspected when the house is closed.

3. In addition, the developer said that if the mortgage is handled uniformly now, the interest will be high in the future. Is this nonsense?

It's not all nonsense, but interest is by no means up to developers and banks. If it is handled in a unified way, your current lawyer's fee may save some mortgage expenses.

One possibility is that the developer and the bank agree on a fixed interest rate, so the interest rate will remain unchanged after your repayment. The country has gone up, but you won't. Of course, if the country falls, you won't fall.

For example, if you pay back 2,000 yuan a month now, you should pay back 2 100 yuan a month after the adjustment of national interests. But you signed a fixed interest rate repayment plan, and you still pay 2000 yuan a month.

If the state adjusts the profit to one month 1900, then you will still not reduce it, or it will be 2000 a month.

If the interest rate of your project is about this, it is possible that if you don't deal with it now, it will be higher in the future, just as he said. Otherwise it's bullshit.