Generally, when lending to banks for real estate development, developers and banks have agreed that "a certain proportion of personal housing loans must be handled in banks", usually 60%-70%. At the same time, before the real estate license is issued, the property will also provide a certain guarantee fee to the bank. In addition, the cooperative bank promises to give priority to the efficiency of loan approval and next payment.
Therefore, property buyers do not necessarily refuse to lend, and the law does not give developers the right to designate loan banks. However, if the purchase contract stipulates that the developer has the right to designate a loan bank or directly designate a loan bank, the buyer must abide by the contract and the lessee can refuse.
If buyers want to go to a non-designated bank for mortgage, they can negotiate with the developer and apply for a non-uniform designated loan. On the premise of not violating the rules, you can also negotiate with banks to understand the relevant legal basis for the specific content of non-designated bank concessions.
It should be noted that it is necessary to put the loan negotiation results into the contract. Once the developer does not cooperate with the purchaser because of loans from non-designated banks, it can be based on the contract.
2. Do I have to go to the loan bank for prepayment?
Users who want to prepay must go to the original bank that handles loan business and submit an application for prepayment. After the application is approved, they can repay the loan in advance. Generally speaking, there are many cases of prepayment of mortgage. Users need to go to the branch or sub-branch where they have previously applied for mortgage, and other banks do not accept prepayment of mortgage. In addition, users do not need to go to the bank counter to apply for prepayment, but can submit an application for prepayment through the customer service hotline. Early repayment means that the borrower applies to the bank to repay his loan in advance, and guarantees that the previous month will not be overdue and the loan of the current month will be returned; Pay off all or part of the loan in one lump sum according to the date stipulated by the bank. Prepayment is generally divided into two ways: partial prepayment and full prepayment. According to the different repayment methods, the borrower can choose to reduce the term or amount. It is understood that at present, most banks can provide five ways to repay loans in advance for customers to choose from. First, all loans are repaid in advance, that is, customers pay off all remaining loans at one time. There is no need to pay interest, but it will not be refunded if it is paid. Second, some loans are repaid in advance, and the monthly repayment amount of the remaining loans remains unchanged, shortening the repayment cycle. (More interest savings) Third, repay some loans in advance, reduce the monthly repayment amount of the remaining loans, and keep the repayment period unchanged. (Reduce the monthly payment burden, but the degree of saving is lower than the second one) The fourth one, partial prepayment, the remaining loan will reduce the monthly repayment amount and shorten the repayment cycle. Fifth, the remaining loans keep the total principal unchanged and only shorten the repayment period. (The monthly payment is increased, and some interest is reduced, but it is relatively uneconomical) The borrower can only propose to repay part or all of the loan in advance for the first time after 6 months of normal repayment of the loan principal and interest; For serious loan management, lending institutions have set a minimum amount for prepayment of some loans, which generally needs more than 1 10,000 yuan. The general borrower needs to notify the lending institution to repay the loan in advance 18 days or 15 days in advance, and must submit a written application to the lending institution with the original loan contract, bank repayment savings card, monthly statement of fund repayment, my ID card and other materials, which is approved by the lender; In the current month, it is still necessary to repay the original monthly loan principal and interest repayment amount, and at the same time deposit the loan amount that needs to be repaid in advance into the bank savings card. After confirmation, the lending institution will recalculate the loan balance and final repayment period after repaying part of the loan in advance according to the calculation principle of "paying interest first, then paying capital, and reducing the repayment period by equal amount every month", reprint the "Monthly Interest Statement on Repayment of Funds" and re-sign the Loan Modification Contract with the borrower.
Do I have to go to the bank that repaid the loan?
Just call the designated repayment account.