2. When the bank lends money, it only needs to wait patiently for the funds to arrive (generally, the bank card under the customer's name will be called first, and then the system will transfer it to the account designated by the real estate developer). When the loan arrives, you only need to repay the mortgage on time according to the repayment plan agreed in the contract.
What are the procedures for buying a house loan?
1. The developer proposes the mortgage loan cooperation intention to the loan bank;
2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers.
3. The purchaser and the developer sign the Commercial House Sales Contract and pay the required down payment according to the contract requirements.
4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank.
5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval.
6. The application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.