The developer will solve it for you.

Second, the process after the mortgage is released?

1. Call the loan bank to inquire about prepayment, including whether it is necessary to pay liquidated damages and how much.

2. Go to the loan bank to apply for prepayment.

3. Repayment (payment should be made before the agreed time, not three days before or after the repayment date. )。

4. Go to the loan bank for settlement on the next day of repayment and print the interest list (tax deductible).

5. Go to the post-loan management center of the bank to get the materials for canceling the mortgage.

6. Go to the guarantee company (you don't need to go to a commercial loan, you don't need to sign a guarantee agreement at that time and you don't need to go to the provident fund loan).

3. What are the procedures for second-hand housing loans?

(1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; (2) Eligible buyers apply for loans from loan banks and provide relevant certification materials; ⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; (4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; 5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; [6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities; (7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; (8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; (9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.

What are the procedures for buying a second-hand house and getting a loan?

Letter of credit clause

1, with urban permanent residence or valid residence status;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. There is a purchase contract or agreement;

4. Be able to pay a deposit of not less than 50% of the national defense evaluation price after full purchase;

5. Agree to use the purchased house as collateral, or provide assets recognized by the loan bank as collateral or pledge, or a competent unit or individual as a guarantor to repay the principal and interest of the loan and bear joint and several liabilities;

6. Other conditions stipulated by the lending bank.

Loan amount, term and interest rate

Second-hand housing mortgage loans usually have a maximum amount of not more than 50% of the purchase price or evaluation price. The loan term shall not exceed 15 years and not exceed 20 years minus the service life of the house. The loan interest rate is the individual housing loan interest rate stipulated by the People's Bank of China.

Bidding procedures

1. The borrower submits a written loan application and provides the following information:

(1) Housing transaction contract signed by the buyer and the seller and signed by the competent department;

(2) A document that someone agrees to sell the house purchased;

(3) the borrower's family property certificate and income certificate (including personal income certificate, tax payment certificate and bank deposit certificate issued by the work unit)

(4) The borrower's legal and valid identity certificate (referring to the resident identity card, household registration book or other valid residence certificate) and proof of marital status;

(5) The document that the borrower and the * * * people agree to mortgage the purchased house.

2. The buyer and the seller's house payment in the loan bank shall be fully deposited into the account designated by the loan bank.

3. After investigation and approval by the loan bank, the borrower and the loan bank signed a loan contract and ""

4 for housing transfer, insurance, notarization, mortgage registration and other procedures.

5. Proof of property right transfer. The borrower shall submit the insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage.

6. After the transfer is completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of transfer and deduction.