2. Check the loan contract carefully and determine the repayment date and amount.
3. Repay on time according to the date and amount of repayment every month. Remember to deposit before the repayment date.
When returning the loan at the time agreed in the loan contract, it is best not to have overdue loans, so as not to bring trouble to personal credit investigation. If there is a personal credit problem due to overdue, it will have an impact on the later loan application.
Extended data:
The house must have a quality certificate issued by the quality inspection station. According to the relevant regulations, before the house is delivered for use, residents can only live after it has been accepted by the district-level housing quality inspection station. After checking this certificate, residents themselves should check the quality of their houses and solve the problems in time.
All completed projects must generally be "five connections and one leveling", that is, gas, water, electric heating, sewage and roads. One leveling means that the site is 6 meters in front of the building and 3 meters behind the building. Building materials or sundries are not allowed to be piled up to ensure the safety of access. Realize gas meter, electric meter (unit meter) and water meter to the home. Indoor cleaning, pool, basin, dung bucket, garbage chute, doors and windows, glass, pipes are clean, no dirt, clean windows, floor drains, rainwater drains and other places without blocking debris.
The domestic water supply system of high-rise residential buildings must have a water supply certificate issued by the health and epidemic prevention department. It should be noted that the water quality in Beijing is seriously exceeding the standard. In some residential areas, all domestic water is obtained by self-drilling. For the sake of safety, it is best to take some water samples back to such residential areas and send them to the relevant departments for inspection. If the water quality does not meet the domestic water standard, they should try to solve it as soon as possible.
Elevators in high-rise residential buildings must have a certificate of safe operation issued by the labor department.
The fire water supply system of high-rise residential buildings must be inspected by the fire department.
According to the requirements of drawings and documents, the house should be fully equipped, reliable in function and complete in procedures.
1. After paying the down payment, get the down payment voucher and bank loan recommendation letter from the developer, find the commercial bank that has a mortgage agreement with the developer, discuss the mortgage of the house, and handle relevant loan matters according to the requirements of the bank.
2. Just hand over the loan contract to the developer and go to the Housing Authority for pre-registration of housing property rights.
3. Cooperate with banks and developers to go to the Housing Authority to handle the mortgage procedures of housing property rights (banks get the house ownership certificate).
4. Wait for the developer to give you the house key, carry out the house decoration project and move into a new home.
5. Pay the deed tax paid by the house developer for you, and the developer will give you the house title certificate, land use certificate (each place is different, and some local property certificates are kept by the Housing Authority), the house quality guarantee, the house instruction manual and the purchase invoice of the house.