Of course, in order to avoid disputes caused by the delay in receiving money from real estate developers, customers should also explain the situation to each other and communicate with each other to solve them. If you really can't wait any longer, customers can also choose to give up and then find another bank to re-apply for a mortgage.
What we need to pay attention to is that if the loan is affected by the customer's recent credit problems, then the customer should be prepared for the final mortgage approval, then the existing problems must be solved, then the credit maintenance should be done well, and finally the application should be re-applied.
Of course, customers can also choose to check out directly, but if the reason why the mortgage can't be done comes from the customer, then you may have to pay a certain penalty for checking out.
What is the mortgage processing process?
1. The borrower needs to fill in the Application Form for Mortgage of Residential Houses and submit the following materials to the loan bank: income certificate issued by the borrower company, valid identity certificate of the borrower, house ownership certificate in compliance with the law, real estate mortgage appraisal report, appraisal certificate, house purchase contract and other documents or materials required by the bank.
2. The loan bank examines the lender's application, purchase contract and submitted materials.
3. The borrower will submit the property right certificate of the house to be mortgaged to the bank for safekeeping.
4. The borrower guarantees the witness to sign the Housing Mortgage Loan Contract with the lender and conduct relevant notarization.
5. After signing the loan contract, the bank will release the loan after completing the internal seal process. Under normal circumstances, when a loan bank issues a loan, the loan amount cannot be greater than the value of the house to be purchased assessed by the mortgaged real estate appraisal agency.