How long does it take to apply for a loan from the bank after paying the down payment? There is no clear stipulation in this country, but it takes 10 working days to go to the Housing Authority for filing after signing the house purchase contract online.
It's a rule. If the deed tax is overdue, a late payment fee is required. The late payment fee is charged at 0.5 ‰ of the total house price every day.
The developer gives you the down payment invoice, the house sales contract, and the copies of the documents and materials needed to handle the loan. You can't apply for a loan without providing it. You can also provide copies of relevant information for developers to assist in handling.
1. After paying the down payment and printing the house purchase contract, you can start the bank loan procedures.
If you buy a first-hand house, the developer will handle these procedures for you. If you buy a second-hand house, the real estate agent will help you with it. You just need to sign and submit the relevant materials.
3. Generally speaking, if you buy a first-hand house, you will sign the terms of the loan term in the purchase contract signed with the developer and will not handle it for a long time. If it is because of you, it will involve liquidated damages and other issues.
If you buy a second-hand house, there will be relevant clauses in the contract. If the loan is delayed, it is likely to face liquidated damages or the consequences of the owner's termination.
Extended data:
Basic conditions for commercial housing mortgage loan:
1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;
3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;
4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.
5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral, and re-apply for mortgage registration after the purchased housing is completed and the property right certificate is obtained;