Calculate how much it will cost to decorate your home. Nowadays, house prices are rising. Many people will spend a lot of money to buy a house in order to have a stable home in the city. For example, they are willing to buy faster, mainly because the price of faster will be slightly cheaper, and developers will also give certain concessions. And some people have doubts after handing over the house. Is it necessary to repay the loan? Friends who want to know, might as well take a look with Bian Xiao. First, will the house be repaid after delivery? 1,No. Because many people bought an auction house, and the house has not been built yet, they can't hand over the house at this time, and they can't go through the loan formalities. Generally speaking, you have to get a pre-sale permit to buy a house. It depends on whether some documents of the developer are complete, and then you can apply to the bank for payment. Moreover, after the loan is successful, the repayment will begin after signing the loan contract. 3. The time to start repaying the loan is not the developer's decision, but the bank's decision, which should start from the second month after you sign the loan contract with the bank. In the future, the repayment must be made according to the time agreed in the loan contract, and it must not be overdue, otherwise the consequences will be more serious. Second, the process of buying an auction house 1. Generally speaking, the auction house needs to subscribe first, which means that you need to pay part of the subscription money first, and then you can sign the pre-purchase contract when it opens later. 2. When signing the contract, you need to prepare a part of the down payment. After paying the down payment, you should start planning the down payment, and also prepare loan information, such as some of your own documents, including bank running bills and so on. 3. After the information is complete, it should be submitted to the bank for review. After the bank has passed the examination, it will sign a loan contract with you, and you need to pay back the monthly loan from the second month. Third, the benefits of buying are faster 1 and the price is cheaper. The price of buying an auction house is cheaper than that of an existing house, and some can even be more than 100,000 yuan cheaper. Because developers in order to withdraw funds, at this time they will sell faster, the price will be much cheaper. 2. There are more choices. You can choose a large apartment or a small apartment according to your own needs, or you can choose a house with a better apartment, so you can basically choose a house that you are satisfied with. Enter the area and get the decoration quotation for free. Enter the area and get the decoration quotation for free.

Second, shouldn't the loan be repaid when the house is handed over?

After signing the purchase contract with the developer, you must apply for a loan and you can't delay it. After the loan is approved, it will be repaid every month after one month. When will the house be handed over?

The general process of buying a new house with a loan is as follows

1. Sign the house purchase agreement and determine the down payment and loan.

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3. Take the purchase agreement and down payment.

4. Bank loan approval

5. Start repayment according to the date agreed in the bank loan agreement.

3. Will the mortgage be paid back when the house is handed over or when the room is booked?

It is neither a delivery nor a reservation, but the time when the house is fully paid! You paid a deposit, that's just a reservation, and the house is handed over when the house is completely habitable (including the deed). And owing on the loan, in fact, all your money is given to the developer, and the down payment and loan money are all paid to the developer's account. At this time, it is equivalent to the bank helping you with the rest of the down payment. You just owe the bank money, which has little to do with the developer from the perspective of money.

Fourth, shouldn't the house be paid off before repaying the loan?

After signing the purchase contract with the developer, you must apply for a loan and you can't delay it.

Real estate developed by developers can be mortgaged as long as it reaches the standard that banks can start lending.

In fact, this early loan is similar to the late loan (of course, this should exclude developers or other violations).

Repaying the loan is between you and the bank, and has nothing to do with paying the house.

To put it simply, the developer sells you a house and you don't have enough money. As a middleman, the bank lends you money with the house you want to buy as collateral.

The money goes directly to the developer without going through your hands. When the money is given to the developer, you start to pay it back.