Cary doesn't need to save money before applying for a mortgage loan. Generally speaking, banks will not require lenders to deposit money into bank cards before lending money. Even if the loan fee and agency fee are charged, they are directly deducted from the loan, and the loan amount after deducting relevant fees is directly paid to the lender.

Does the loan house have a real estate license?

1. According to the Measures for the Administration of Commercial Housing Sales issued by the Ministry of Construction, real estate development enterprises are required to submit the materials needed for housing ownership registration to the local real estate authorities within 60 days from the date of delivery of commercial housing. Otherwise, if the developer defaults, the time for the owner to get the real estate license will be delayed. According to the Regulations on the Management of Urban Real Estate Development and Operation and the Measures for the Management of Urban Commercial Housing Pre-sale, the buyer of the pre-sale contract shall apply for the real estate license within 90 days from the delivery date of the commercial housing; Existing buyers should apply for real estate license within 90 days from the date of signing the sales contract.

2. Therefore, whether it is an existing house or an auction house, whether there is any payment method, you can obtain the real estate license. The time to obtain the real estate license first depends on the contract signed between you and the seller. The handling of real estate license shall be subject to the contract first. You need to check what is stipulated in the contract. If the processing time stipulated in the contract is exceeded, the seller shall bear the relevant liability for breach of contract. At the same time, if the project has problems in documents and other aspects, it is difficult to successfully apply for the real estate license. This question suggests that you consult the seller.

What should I pay attention to when buying a house with a loan?

1. Fully estimate your endurance. In order to ensure the safety of credit assets, banks require lenders to provide proof of monthly income that is more than twice the monthly payment. Because many loan buyers are eager to buy a house, they have not fully estimated their repayment ability and provided untrue proof of income. As a result, the monthly supply pressure is high, which affects the living standard and brings potential risks to banks.

2. Choose the repayment method according to your own situation. The repayment method of equal principal and interest is different from the average capital. The former is characterized by equal repayment in each installment, which is more suitable for borrowers with stable income; The latter is a relatively large amount of repayment in the early stage. With the gradual repayment of the loan, the repayment amount will gradually decrease, but the overall interest amount will be less than the matching principal and interest, which is more suitable for people with abundant funds at present and uncertain future income.