Sign online first and then apply for a loan. After the online signing, the loan usually has to wait for a while. The situation of each bank is different, and it usually takes 2-6 months to get a loan. Before you apply for a loan, you must pay attention to having a professional look at your credit report for you. If there is something wrong with the credit report, there will be something wrong with the loan.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
Second, apply for a loan first or do online signing first?
Mortgage to buy a house should apply for a loan first, and then apply for an online purchase contract.
Mortgage to buy a house process
First, choose real estate.
If buyers want to get mortgage services, they should focus on this aspect when choosing 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 been successfully obtained.
Second, the loan application
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
Third, sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue loans to the purchaser after examination and confirmation that the purchaser meets the conditions of mortgage loan, and the purchaser can sign the Pre-sale Sales Contract of Commercial Housing with the developer or its agent.
Fourth, sign a house mortgage contract.
After signing the purchase contract and obtaining the payment voucher, the purchaser shall sign the mortgage loan amount, term, interest rate, repayment method and other rights and obligations with the relevant legal documents stipulated by the bank.
Verb (abbreviation of verb) for mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance in order to prevent loan risks.
. When purchasing insurance, the purchaser should make it clear that the insurance shall not be interrupted during the performance period, and the insurance amount shall not be lower than the mortgage, and the insurance policy shall be kept by the bank.
Open a special repayment account with intransitive verbs.
After the loan contract is mortgaged, a special repayment account shall be opened according to the financial institution, and a power of attorney shall be signed to authorize the disclosure of the loan principal and interest and arrears related to the loan contract.
After confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract, the bank will transfer the loan to the bank supervision account opened by the developer in the bank as the purchase price of the buyers.
Extended data:
Mortgage purchase
First, apply for a loan amount according to your own ability.
When applying for individual housing loans, borrowers should make a correct judgment on their current economic strength and repayment ability, and at the same time make a correct and objective determination on their future income and expenditure, loan amount, loan term and repayment method, and leave room according to their own situation.
2. Lending bank
The more types and details of services provided by banks, the more integrated services, and the richer the combination of services and products. A series of new measures have been taken, such as adjusting the borrower's loan term, allowing the borrower to change the collateral, changing the real estate rights and so on.
Third, choose the repayment method that suits you best.
At present, there are basically two repayment methods for individual housing loans: equal repayment method and equal principal repayment method.
1. If the repayment methods are equal, the repayment amount will remain unchanged (except for adjusting the interest rate), and the repayment is convenient, but the interest will be paid more;
2. Repayment with equal principal, and the monthly repayment amount will gradually decrease.
When a borrower signs a loan contract with a bank, he must first understand two repayment methods and determine the most suitable repayment method.