Question 1: When to buy an auction house, when to pay the down payment, and when to pay the down payment for the mortgage loan, it is usually carried out when the developer starts to officially sell after obtaining the five certificates. The opening is actually a propaganda made by the developer, sending a signal: I began to collect money to sell the house.

Generally, the down payment is paid after the opening, and the loan information is filled out and sent to the bank for approval. Generally, it takes about 1-2 months for a bank to lend money, and then you start to repay the monthly loan from the next month, that is, you start to repay the loan!

Question 2: When will the auction house start to repay the mortgage, when will the house be handed over or the time designated by the real estate agent? Generally, after you submit the loan application materials, the bank will start repayment after it is approved, which has nothing to do with the delivery time, and the real estate agent has no right to specify the repayment time.

Question 3: Buy the mortgage loan from the auction house 1 When will it be repaid? Generally, you have to pay the subscription money first, and then sign the pre-purchase contract when the market opens. 2. Pay the down payment when signing the pre-purchase contract, prepare the down payment after paying the down payment for one to two weeks, and then prepare the mortgage information for bank approval. 3. After the bank reviews the funds and goes through the formalities, it will return the monthly payment the next month.

Question 4: When will the mortgage to buy a house auction start to repay the loan? After the building was capped, the bank began to lend money and then repaid the loan. This is the case in Beijing. Tianjin won't wait for the ceiling, and it will repay the loan when it is bought.

Question 5: When will the auction house apply for a loan? Faster house refers to the unfinished house under construction. Now most people buy faster houses, and many people buy houses for the first time. So when can I apply for a loan from the auction house?

According to the relevant regulations, the developer has obtained the construction project planning permit, the construction project land planning permit, the construction project construction permit, the state-owned land use permit and the pre-sale permit of commercial housing, and the mortgage can only be handled after the pre-sale permit comes out.

You can apply for pre-sale permit only when the multi-storey building is capped, and you can also apply for pre-sale permit when the high-rise building reaches two-thirds, but the local regulations may be inconsistent. You can check the construction progress or check with the developer. If the progress is close, you can apply for a pre-sale certificate, so it is estimated that you need to apply for a loan in order to prepare in advance. If it's early, don't do it.

Specific mortgage loan process:

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate.

2. Apply for a mortgage loan.

After confirming that the property you choose has bank mortgage support, buyers should understand the bank's regulations on mortgage loan support for buyers, prepare relevant legal documents and fill in the mortgage loan application form.

3. Bank comments

After accepting the loan application of the purchaser, the bank shall examine the qualification of the purchaser from the aspects of civil subject qualification, credit status and repayment ability. In order to confirm whether it meets the prescribed conditions, if the property buyer blindly signs a purchase contract with the developer without obtaining the bank mortgage loan support confirmation. When it does not meet the requirements of the bank, it will not be able to obtain mortgage loans, which will lead to the passivity of funds, forcing it to choose other payment methods, thus affecting its own financial arrangements and even giving up buying houses, resulting in down payment losses.

4. Sign a house purchase contract

The bank received the mortgage application and related legal documents submitted by the buyers. After examination and confirmation that the purchaser meets the mortgage loan conditions, a loan consent notice or a mortgage loan commitment letter will be issued.

5. Sign a house mortgage contract.

After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

6. Apply for mortgage registration 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.

7. Open a special repayment account.

After signing the building mortgage loan contract, the purchaser should open a special repayment account in the financial institution designated by the bank according to the contract, and sign 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. Bank mortgage interest rate, the borrower can use the bank mortgage loan calculator for accounting.

20 16 0 18 10, People's Daily reported that Lanzhou can also enjoy the provident fund from this month. "The reporter learned that due to the different property values and loan requirements of each citizen, the specific handling process requires the citizens to consult the bank and the provident fund center in person, and the cost account must be calculated before handling the" business transfer ". According to industry insiders, although "business to public" can make more buyers enjoy the benefits of low interest rate of provident fund loans, before handling "business to public", they must calculate their own cost accounts, and citizens with shorter remaining repayment time are not suitable for "business to public".

Question 6: When did you start to pay the down payment for the mortgage of the auction house? Generally, it is carried out when the developer starts to officially sell after getting the five certificates. The opening is actually a propaganda made by the developer, which sends a signal: I began to collect money to sell the house.

Generally, the down payment is paid after the opening, and the loan information is filled out and sent to the bank for approval. Generally, it takes about 1-2 months for a bank to lend money, and then you start to repay the monthly loan from the next month, that is, you start to repay the loan!

Question 7: When will the house I bought start to repay the forward loan? According to national regulations, real estate projects need to be capped before they can apply for loans. However, in practice, developers and banks have certain agreements that can be handled in advance. The fastest, if it is a multi-storey building (below 6 floors), you can apply for a loan from the main body to the second floor. If it is a high-rise or a small high-rise, you can also apply for loans when the main structure reaches half or two-thirds. It depends on the relationship between the developer who sells your house and the bank.

Question 8: When does the mortgage loan start to be repaid on a monthly basis and cannot be used as a provident fund?

Commercial loans and provident fund loans are the same in both cases.

What does next month have to do with the house?

Question 9: When will the auction house start to repay the mortgage? As long as the loan takes effect, it will be paid back the next month after the loan is issued, regardless of the state of the house.

Question 10: The auction house just bought it. The down payment has been paid. Should the loan be made immediately? Hello, landlord:

The problem you mentioned is a common problem in buying faster houses. I think everyone knows what you think. From a personal point of view, the current inflation and your business point of view, of course, the later you pay, the better. Especially now that the national eight articles have come out, it is hard to say the house price now!

But as for whether to do it right away, I still suggest you:

First of all: I believe that the developer is not stupid. There should be an agreement on the time when you apply for a loan in the contract, so you should read the contract carefully first to make sure that you don't default and apply for a loan at the time agreed in the contract. After all, the contract is valid, so don't repay the loan in advance because you don't want to (the interest you said is the same, you start to repay it one year in advance and end it one year in advance, right? ), and there is a breach of contract. When the developer cancels the contract, you also need to bear the liability for breach of contract. Then you will lose a lot! If there is no agreement, you will have more freedom! Wait for the developer to send you a reminder!

Secondly, what I want to say is that there are generally two repayment methods for faster loans, and banks also approve loans. You go to the developer and the bank for advice. Generally, the bank signs the loan first and then reviews it (you don't have to sign it to start repaying the loan, and the bank may not approve your loan. According to the contract, you need to raise cash to pay the house price yourself. There are two possibilities for buying an auction house to repay the loan: 1. You're talking about a situation. After paying the down payment, sign a loan contract with the bank. After the developer and your information are complete, the bank will immediately approve your loan and distribute it to the developer, and then you will start to repay the loan. 2. There is also a situation where you sign a loan contract with the bank after paying the down payment, and the developer may have to wait until the house is capped or completed before releasing information. Let the bank approve the loan (so developers will also ask to sign the contract first, so there are two considerations: first, sign the loan contract when signing the contract, so that customers can run less; Second, banks can concentrate on their work at that time, sign loan contracts and gradually collect customers' loan information), and then you can lend money to developers after approval by banks. Although they all pay down payment before signing loan contracts, the time for bank approval and customer repayment is different. So this still suggests that you can ask when the bank or developer started to repay the loan, and what kind of situation, if it is the latter! That will save trouble!

Thirdly, if you are sure that you are really worried, but you still want to pay later, I will give you the following advice: 1. Now that the national eight articles have come out, it is estimated that there are fewer people who can buy a house, so there is still room for discussion with developers. If the negotiation is good, it is best to sign a supplementary agreement; 2. If negotiation fails, I suggest you cooperate with the notice of the developer and apply for a loan at the time agreed in the contract. However, the loan requires a lot of materials, which may not be available immediately. You cooperate with the loan, but it will take some time to provide some materials. It's unkind to say that you are in breach of contract because of a few days' delay in submitting the materials. You should grasp the specific scale! Hehe, if the time for handling the loan is clearly stipulated in the contract, I think you'd better ensure that you don't default before considering other things.

Finally, I wish you all the best!

Developers don't rush, usually the latter, because even if you sign a loan contract, he can't get the money, so he doesn't rush. In a word, I suggest you look at the contract. Performance is the obligation of both parties to the contract, and you don't necessarily need to be urged by the other party. If it reaches the level of breach of contract, it will be in trouble! After all, the risk in the early stage of buying a house is buying a house. You paid the down payment, and now there is nothing but the contract. When you breach the contract, the other party can directly deduct the penalty from the down payment. And it's good for you that the bank approves the loan. If the bank approves your loan, you can be sure that the house will be yours in the future. You pay 30%, and the bank pays 70%. Their risk awareness is much stronger than ours, so it is necessary to review the loan. I think you can find a suitable time to deal with it after weighing it.