Problems needing attention in forward housing loan
1. Check whether the sales office has a pre-sale permit, whether the selling units are consistent, and whether the date of the pre-sale permit has expired. Now, many areas have banned the sale of faster houses.
2. Check the evaluation of the engineering company online to see if there are any bad records. These have credit files on the internet. Check which property is in the community, and also check the reputation of the property company online. Generally, the reputation of large real estate developers is basically no problem, and the pressure of capital turnover is small, which is unlikely to have problems. Mainly some junior small companies.
3. Take a concrete look at the construction situation of the construction site, and see to what extent the building has been implemented, the state of the construction personnel, whether it is in normal construction, etc.
4. Time and method of payment. Paying the house payment by installments not only reduces the economic pressure, but also is the best constraint for the developer to fulfill the contract as scheduled. Both parties may agree to pay one by one according to the project progress of the house within a few working days after obtaining the property ownership certificate of the house until the last payment is made.
5. The agreement on the liability for breach of contract stipulates how the developer can compensate the property buyers for their economic losses if they fail to deliver the house on time. This is a contract different from the sales contract, which can safeguard its own rights and interests.
What should I pay attention to when repaying my mortgage in advance?
1. Understand the bank's policy of repaying loans in advance.
Different lending banks have different lending policies. If property buyers intend to repay their loans in advance, they should understand the bank's policies. Now, for most small and medium-sized joint-stock banks, there are few additional penalty interests for buyers who want to repay their loans in advance, requiring them to pay liquidated damages. However, some large state-owned banks need to pay liquidated damages to varying degrees. Some banks will make it clear in the loan contract that early repayment may require a certain penalty. Some banks need to charge interest on the actual repayment amount for one to three months.
2. Go through the formalities of repaying the loan in advance
The procedures for repaying the loan in advance are the same as those for applying for a loan. The borrower also needs to go through legal procedures and must submit a written application one week to one month in advance; And you need to agree on a specific repayment time. During this period, the lender will also bring some necessary documents, such as ID cards and loan contracts, and go to the bank to fill out the repayment application form and repayment agreement in advance.
3. Go to the insurance company to surrender in time.
Don't forget to surrender to the insurance company after the borrower pays off the mortgage in advance. When signing the housing loan, the buyer will sign the housing loan family insurance contract and pay the insurance premium every month. If you pay off the loan in advance, you can surrender it and go to the insurance company with the insurance policy and proof of early repayment.
4. Handle the cancellation of real estate mortgage in time.
After paying off the loan, the borrower needs to cancel the mortgage of the property in time, which is a key point. The real estate license of the general house is mortgaged by the bank during the mortgage period, and the mortgaged house cannot be rented or resold, so the mortgage must be released after paying off the loan, otherwise the mortgage record will still be filed in the real estate department, laying a hidden danger for the future.