1, loan received
If the bank has already lent money, after all, the loan funds have arrived and cannot be withdrawn.
The loan contract has been fully established and the borrower can only accept the loan. If you don't need this loan, or want to repay the bank, you can only choose to repay it in advance.
However, prepayment is a breach of contract, especially if the borrower fails to repay the loan for one year and needs to pay a certain penalty. Liquidated damages are generally calculated according to 3% of the prepayment principal. Suppose the borrower borrows 6,543,800 yuan, and if he repays in advance, he may need to pay a penalty of 30,000 yuan.
If the borrower is unwilling to pay the liquidated damages and feels that the loan interest is too high to bear, he can also choose to use the loan funds for other purposes. For example, buying a house or a car. You can also buy some luxury goods with appreciation value. And you can make some money without illegally misappropriating loan funds.
2. borrow money.
If the borrower inquires about the progress of the loan and finds that "Lending" is displayed, it means that the bank has been lending money, which usually arrives within 8 hours.
In this process, if the borrower wants to cancel the loan for any reason, he needs to contact the account manager or the customer as soon as possible, and there is still a chance to cancel the loan. However, it should be noted that this is also a breach of contract, which may require payment of certain liquidated damages and even affect personal credit status.
The contract has been approved, but the loan has not been issued.
If the borrower has signed a loan contract with the bank, but has not yet lent money, it is better to take back the loan. If you want to cancel the loan, you can directly explain the reason to the account manager in charge of the loan business, and the account manager will report to the bank to terminate the approval process.
4. Just submitted the loan application.
If the borrower only submits the loan application, but the loan approval fails, then the borrower can stop the loan application at any time. Just call the bank's customer service and say that you don't need this loan and ask the staff to help you withdraw the loan application.
However, there are also special circumstances. When the bank finds that the borrower is faking, the income certificate is faked, etc. In order to ensure the safety of funds, banks can choose to directly recover the loans that have been directly issued.
2. Can I return the house after the mortgage loan is finished?
After the loan comes down, the user can't settle the account. The user chooses to pay off the mortgage in advance and return the property ownership. At this time, they can only sell the property and cannot directly return it to the developer. Users who want to check out must pay a certain penalty before they can check out.
In addition, when applying for a mortgage, it is a pity that users must also consider canceling the application.
Personal housing loan refers to the fees paid by the lender to the borrower.
Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan that commercial banks open to borrowers for the first time to buy houses (that is, real estate developers or other qualified developers develop houses).
Individual housing loan type:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan used by the housing fund management center. Housing accumulation fund, on the one hand, its interest rate is low;
On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both of them prefer to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are personal housing loans and personal housing guarantee loans issued to property buyers based on bank credit funds.
Refers to the use of housing provident fund deposits and credit funds to buy self-occupied ordinary housing loans, which is a combination of individual housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Processing flow:
1. loan application: the customer fills in and submits the application form and application form designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB conducts loan approval.
4. Sign the contract: after the customer loan is approved.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan as agreed.
7. loan settlement.
3. Can I still return the house payment after the mortgage loan?
Of course. As long as the house described in the purchase contract is different from what you accept now, including the original apartment type on the drawings in the contract, as long as there is evidence that it is different and you can't accept it, you can ask to return the house.
4. Can I return the house after the mortgage loan is finished?
After the loan comes down, the user can't settle the account. If the user chooses to pay off the mortgage in advance, he can get back the property ownership after the mortgage is lifted. At this time, he can only sell the property and cannot directly return it to the developer. If the user wants to check out, he must submit an application before lending. At this time, he can pay a certain penalty, and the user can check out. In addition, when applying for a mortgage, users must also consider it clearly. It is a pity to cancel the mortgage application that has passed the examination. Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loan mainly has the following three loan forms: (1) Personal housing entrusted loan is the full name of personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses. (2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans. (3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. Processing flow: 1. Loan application: the customer fills in and submits the application form and application materials designated by CCB. 2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation. 3. Loan approval: CCB conducts loan approval. 4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB. 5. Loan issuance: CCB will issue loans after meeting the requirements. 6. Customer repayment: the customer repays the loan on time as agreed. 7. loan settlement.