Normal mortgage loans are generally repaid directly through bank cards, so you don't need to make an appointment, just deposit enough monthly loans, which only need to be solved by yourself, without the excessive participation of banks. However, if you want to repay in advance, you need to make an appointment with the bank. The bank will give you a time, and then you can bring funds and materials to handle it that day.

How to get a loan to buy a house

1. Mortgage service, we should focus on this aspect when choosing a real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. After confirming that the property you choose is supported by the bank mortgage, the buyer should know the bank's regulations on the mortgage loan support for the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the Loan Application Form.

3. After receiving the relevant legal documents of mortgage application submitted by the buyers, the bank will issue a loan approval notice or a mortgage loan commitment letter to the buyers after examining and confirming that they meet the conditions of mortgage loan. Property buyers can sign the "Pre-sale and Sales Contract of Commercial Housing" with developers or their agents.

4. After signing the house purchase contract and obtaining the payment voucher, sign the Loan Contract with the developer and the bank with the relevant legal documents stipulated by the bank to specify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5. Property buyers, developers and banks shall go through the mortgage registration and filing formalities with the real estate management department with the Loan Contract and the house purchase contract. For faster delivery, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long mortgage loan period, banks require buyers to apply for life and property insurance to prevent loan risks.

6. After signing the Loan Contract, the property buyer opens a special repayment account in the financial institution designated by the bank as agreed in the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account. The bank is confirming that the property buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the Loan Contract.