Your house has not been paid off, and the developer won't give it to you. When you go to the bank for mortgage loan, the bank will help you pay the money to the developer first, and then you will return the money to the bank in installments. Of course, the interest-paying bank will lend it to you. Only when the bank agrees to lend you money (approve your loan) can you pay back the money from the next month.

Second, the bank that sells the house can't get the loan, can it be handed over?

You can hand over the house before the loan comes down, but it is best to wait until the loan comes down and hand over the house at the time stipulated in the contract or agreed by both parties. If you pay the house in advance before the loan comes down, it is easy to have problems.

First of all, the house is not entirely yours now, at least not in Yi Ming, but it actually belongs to you.

First of all, after your loan comes down, you have to sign a contract with the bank, and then go to the Housing Authority for mortgage procedures, that is, transfer.

Then the Housing Authority will give you a form, that is, the form of taking the room book. It usually takes 15 working days to get the room book. The Housing Authority will build a new house for you in your name when it sees that the bank gives you a loan and your down payment is in the fund supervision account of the Housing Authority. In other words, the bank has no loan, and the Housing Authority has not made a new house for you. Strictly speaking, this house is not yours yet.

The only thing you can do now is to urge the bank to lend money, or complain that the bank calls their customers. Because the bank will limit the loan amount at the end of the year. Wait until the owner gets the money. You don't need anyone, you won't win, and you won't file a case.

Don't force you to stay, it's illegal.

Third, is it necessary to wait for the bank to lend money before handing over the house?

Only with a bank loan can the house be delivered. 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 done. If both parties have it, the bank can hand over the house without lending. Suppose that even if the bank does not lend money, as long as it pays the down payment and receives it, it can contact the developer or landlord to pay 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. Loans are the main assets of banks, the main channels and ways of using funds, and the focus of bank operations. Considering the security and profitability of bank lending, maintaining a high scale and structure of lending is an important task of bank asset management.

Through bank lending, the contradiction between idle social funds and insufficient funds can be solved, so that social funds can effectively establish and develop a market economy. It is necessary to strictly implement the national interest rate policy in accordance with the national industrial policy and accept the supervision of financial management organs and relevant departments. Follow the principles of planned loan management, material guarantee, timely repayment, "first evaluation (adjustment) before loan" and economic benefits. Economic benefit principle The basic principle that borrowers must follow when using loans.

Buying a house is inseparable from bank loans, unless it is a house transaction. If you buy a house with a loan, you must understand the bank's lending process and the loan funds that individuals need to prepare.

Bank loan process:

Face-to-face Commissioner submits loan information to the bank → Bank Commissioner → Face-to-face Commissioner notifies the buyer and the seller/broker.

Note: Tianjin's loan is given to the owner by the Housing Authority.

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.

I want to sell my house. After the transfer, the bank loan has not come down. Can I pay the house?

The principle of buying and selling is that money is the first hand and goods are the first hand. If the bank loan hasn't arrived yet, it's best not to pay the house. If the loan fails, it will be difficult.