; ? When will the bank lend money in the end is a question that every property buyer wants to find out. The loan application time of each property buyer is different, the loan application bank is different, and the current policy is different, which will affect the loan time. Many buyers have consulted. What if the landlord doesn't sell the loan because the bank is slow? Can a bank pay the house first without a loan?
Bank lending is slow, what if the landlord doesn't sell it?
It needs to be analyzed according to the specific situation. If the borrower and the landlord sign a detailed contract treaty on the time of bank lending, and the landlord refuses to sell the house, it will cause a breach of contract. The borrower can choose to sue the landlord or negotiate with the landlord privately.
Under normal circumstances, second-hand housing mortgage bank loans will be slower, so in most second-hand housing transactions, there will be relevant regulations when signing contracts. If there is no provision in the contract, the borrower can also ask the landlord to refund the deposit and down payment without causing breach of contract.
According to the regulations, the buyer can't pay the house price to the seller in time because the bank has to queue up for loans, and the principle of the default rule is no-fault liability.
Can a bank pay the house first without a loan?
Generally speaking, you can't, and you can't pay the house until the bank lends money. According to the normal process, the landlord will only pay the house after all the loans are collected, which can prevent the borrower from applying for the loan on the one hand and facilitate the transfer and filing on the other. The first suite will generally wait until the loan is made before handing over the house. If it is a second-hand house, it is also possible to obtain the consent of the landlord.
The above is the related content of "What should I do if the landlord doesn't sell the bank loan slowly?" I hope it will help everyone!
Do I have to wait for the bank to lend money before handing over the house?
In principle, it is generally necessary to wait for the bank to lend money before handing over the house. Because the normal purchase process is that the borrower pays the deposit and down payment first, and then goes to the bank to apply for a loan with the purchase contract. After the bank lends money, the final delivery is made. But that doesn't mean it has to be like this. If both parties have relevant agreements in the contract, the bank can also pay the house without lending money. Assuming that there are relevant provisions in the contract, it shows that even if the bank does not lend money, it can pay the house first. Then after paying the down payment and receiving the notice of mortgage approval, you can contact the developer or landlord to hand over the house.
Bank lending refers to a kind of credit activity in which banks provide monetary funds to people in need at a certain interest rate on the condition that they must return them. Loan is the main asset of a bank, the main channel of capital utilization, the main way of profit and the focus of bank operation. Bank lending should consider safety, profitability and liquidity to ensure its normal operation and maintain high returns. Therefore, determining a reasonable loan scale and structure has become an important task of bank asset management.
Through bank lending, the contradiction between idle funds and insufficient funds in social capital turnover has been solved, and social funds have been effectively and fully utilized, which will play a beneficial role in promoting the establishment and development of socialist market economy. Bank loans should conform to the national industrial policy, strictly implement the national interest rate policy, and accept the supervision of financial management agencies and relevant departments. Follow the principles of planned loan management, material guarantee, timely repayment, "differential treatment, preferential support", "evaluation (adjustment) first, loan commitment later" and economic benefits. The principle of economic benefit is the basic principle that banks must follow when issuing loans and borrowers use loans.
You can't buy a house without a bank loan unless you pay in one lump sum. In the second-hand housing transaction, if it is a loan to buy a house, then you must understand the bank's lending process and the lending materials that individuals need to prepare.
Bank loan process:
The interviewer submits the loan information to the bank → the bank lends money to the seller's account → the bank informs the interviewer → the interviewer informs the buyer and the seller/broker.
Note: Tianjin Housing Authority informed the owner to lend to the supervision account.
Loan information:
Copy of other property right certificate/guarantee/real estate license/deed tax ticket, transfer receipt, mortgage receipt, down payment transfer receipt and positive evaluation report.
Do I have to wait for the bank to lend money before handing over the house? Is it useful to call the bank to urge the loan?
; ? When buying a house, many borrowers will choose to buy a second-hand house directly, considering the economic aspects and housing environment. In terms of mortgage, buying a second-hand house can also apply for a personal housing loan. Many buyers have consulted, is it necessary to wait until the bank lends money to pay the house? Is it useful to call the bank to urge the loan?
Do I have to wait for a bank loan before I can pay the house?
In principle, it is generally necessary to wait for the bank to lend money before handing over the house. Because the normal purchase process is that the borrower pays the deposit and down payment first, and then goes to the bank to apply for a loan with the purchase contract. After the bank lends money, the final delivery is made. But that doesn't mean it has to be like this. If both parties have relevant agreements in the contract, the bank can also pay the house without lending money.
Assuming that there are relevant provisions in the contract, it shows that even if the bank does not lend money, it can pay the house first. Then after paying the down payment and receiving the notice of mortgage approval, you can contact the developer or landlord to hand over the house.
Under normal circumstances, after signing the sales contract, the buyer will agree with the developer or landlord on a loan period, which is generally agreed to be two months or longer. Within the agreed time, if the bank lends money, both parties can complete the transaction. If the bank does not lend money, resulting in the buyer can not pay the seller in time, both parties need to negotiate.
Is it useful to call the bank to urge the loan?
If the borrower just calls to urge the bank to lend money, it is generally useless. Because the situation faced by banks may be that the loan amount is insufficient and there are too many people applying for loans. If the borrower is not a high-quality customer of the bank and the purchased property has no cooperative relationship with the bank, the lending speed will be slower.
The above is "do you have to wait until the bank lends money to hand over the house?" I hope I can help you!