1, there is no transaction in theory, but a cooperative relationship. 2. Its main responsibilities and obligations are determined by the Cooperative Agreement on Commercial Housing Loan signed by both parties. 3. In fact, real estate companies provide voluntary help to buyers, help borrowers communicate with banks, and assist in the registration of files, materials and real estate. . . . Of course, their ultimate goal is to hope that the borrower can lend money smoothly as soon as possible, so as to fully recover the house payment and withdraw funds. 4. There is also an important obligation: provide installment mortgage guarantee to the borrower before the mortgage registration of the property is completed!

Second, the loan to buy a house, the money between the developer and the bank, how does the owner do the work?

Loan to buy commercial housing. The sales staff of the preferred developer will issue a list of cooperative banks to the owners. After the buyer pays the down payment, he goes to the handling bank to handle the loan formalities.

After examining whether the lender has the loan qualification, the loan bank shall go through the loan formalities according to the regulations.

After the loan is put into operation, the lender will be notified to repay the loan on time every month, and the loan contract will take effect. At the same time, developers will sign purchase contracts with property buyers. This anti-fog business is done. The bank will transfer the loan to the developer today.

Third, how do real estate companies and banks trade when property buyers apply for loans?

1, there is no transaction in theory, but a cooperative relationship.

2. Its main responsibilities and obligations are determined by the Cooperative Agreement on Commercial Housing Loan signed by both parties.

3. In fact, real estate companies provide voluntary help to buyers, help borrowers communicate with banks, and assist in the registration of files, materials and real estate. . . . Of course, their ultimate goal is to hope that the borrower can lend money smoothly as soon as possible, so as to fully recover the house payment and withdraw funds.

4. There is also an important obligation: provide installment mortgage guarantee to the borrower before the mortgage registration of the property is completed!

4. Is the house loan the bank chosen by the developer or any bank you want?

1. In general, developers will cooperate with several banks for buyers to choose from, or they can find loans from other banks themselves.

Second, see if there is any relevant agreement in the purchase contract. If the purchase contract stipulates that the developer has the right to designate a loan bank or directly designate a loan bank, the buyer must abide by the contract; If it is only a verbal suggestion from the developer, the buyer can refuse.

Three, the law does not give developers the right to designate a loan bank. Many provincial and municipal housing management bureaus clearly stipulate that real estate development enterprises shall not increase restrictions or attach conditions in any form to ensure fair housing selection.

Extended data

Procedures for handling mortgage loans

The specific procedures for property buyers to apply for real estate mortgage are as follows:

(1) Buyers who want to get real estate mortgage loan services should pay attention to 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 won the support of banks to ensure the smooth acquisition of mortgage loans.

(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.

(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

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

(5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration 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 to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

(6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After going through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.