Now buying a house is generally an auction house, and the payment period is relatively long. It usually takes one year to hand over the house. Developers don't hand over houses one by one. Under normal circumstances, it is a group to deliver the house together for acceptance. Community greening, environment and public facilities are perfect. Before you take over the house, you must also pay the mortgage. From the next payment of your bank, you will have to pay the monthly mortgage.
You sign a sales contract at the sales center and then apply for a bank loan. First, the mortgage is almost paid off, and then you start to repay the loan every month. When buying a house, it depends on when the developer tells you to take the house and whether it is indicated in the contract.
Buying a house or buying a well-known enterprise, buying more powerful developers, well-known developers, such as Poly Real Estate, Sunac Real Estate, Evergrande Vanke Jinke, etc., are still relatively safe, there will be no unfinished buildings, and it is relatively safe to close the house, and they will all hand over the house on time!
Don't worry, pay the down payment, sign the subscription agreement, and wait slowly, which means that the house is handed over! Congratulations on having your own warm home! It is true that the house price is too expensive now, I can't afford it!
Second, the down payment for buying a new house has been paid. What if the bank doesn't give the loan?
You can ask for the cancellation of the house sales contract. If the loan cannot be handled due to the buyer's personal reasons, the buyer shall bear the liability for breach of contract.
3. The down payment has been paid. What if the bank doesn't approve the loan?
1. Remedial loan: You can talk to the bank staff to find out why your loan has been delayed. If the problem lies in the buyer's own credit, running water and liabilities, it is suggested to increase the down payment and reduce the loan application amount, and then apply for a loan from the bank after the information is fully prepared. 2. Change banks: Different banks have different regulations and audits on loan conditions, so if the buyers apply for the first bank but don't give it back, they may wish to change banks. 3. Find a guarantee company: The cost involved will be higher than direct bank loans. Because the guarantee company not only needs the borrower to pay the handling fee, but also needs to pay the guarantee fee, interest fee and other expenses. Legal basis: Article 34 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies. Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided. Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
4. What should I do if the down payment for buying a house has been paid and the loan has not come down?
First, make sure whether it can't be approved temporarily or it really failed. Can I change banks and refinance? If you can do it, you can try it again. If you can't do it, how to deal with it depends on the contract first, and if there is an agreement, it will be handled according to the agreement. Generally, the buyer is allowed to raise funds by himself and pay the balance.