As long as the buyer and seller reach an agreement, you can check out even if the housing loan has been approved. The home buyer submits a written check-out report, and the real estate company issues corresponding certification materials (the real estate company needs to repurchase the house). The staff of the real estate company go to the local real estate department to submit a check-out application and submit an application to cancel the filing.

What is the process of off-plan housing loans?

1. House-purchasing employees can go to the house selling unit, or go to the loan undertaking bank or the housing provident fund management agency to inquire about loan-related matters and calculate the calculation. Loan amount and term.

2. The home buyer applies for a loan to the undertaking bank, submits copies of relevant documents, and brings the originals for inspection.

3. After being notified by the handling staff, the approved loan applicant shall go to the agreed place at the agreed time to sign the loan contract and other relevant contract texts and apply for the housing purchase guarantee.

4. Handle house purchase transactions and mortgage registration procedures.

5. The loan that has completed all procedures will be issued to the borrower by the loan undertaking bank in accordance with the provisions of the "Loan Contract", and the loan funds will be directly transferred to the account designated by the sales unit of the property purchased by the borrower.

What do you need to pay attention to when buying an off-plan house?

1. Down payment ratio

Generally speaking, first-time home buyers can choose the down payment based on their personal financial ability. The minimum down payment is or higher. Generally, the down payment is 20 to 30% of the total payment, except for some first-tier cities. If the down payment pressure is relatively high, we can choose the lowest proportion to pay, and the remaining balance can be supplemented by provident fund loans or commercial loans.

2. Pay the monthly payment

After the loan, you have to wait until the bank disburses the loan. The monthly payment must be paid every month starting from the date of disbursement, and the monthly payment amount of provident fund loans can be adjusted. , find the corresponding contact information when you need to adjust it. It must be changed one month in advance. The payment amount for the next month, the monthly payment and the bank interest rate are related.

3. Full payment

If you are buying an off-plan house, you can also pay the full amount for the off-plan house as long as you have sufficient finances. After paying the payment, you only need to wait for the developer to notify you of taking over the house. The disadvantage of buying with a loan is that the expenditure is relatively large. The advantage is that you don't have to be a house slave and you don't have to pay interest to the bank.

4. Off-plan house collection

Generally, when paying the house payment, a corresponding house purchase contract will be signed. With the contract and house purchase invoice, it proves that the house has been purchased, and the house collection is generally Only within a year or so, when the developer notifies the owner to take possession of the house, can the house be truly obtained.