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Do I have to go to the bank where I got the loan to repay my mortgage?

You don’t need to go to the bank where you got the loan to repay your mortgage. You can directly transfer money to your bank card instead of going to the bank in person. After you get the loan, you will have a bank card for repaying the mortgage. You just need to deposit the monthly payment into it at the specified time. If you have to go to the bank to repay the mortgage, it will be very troublesome, and the bank will not be able to handle it. Come.

The process of buying a house with a loan

1. Check the house purchase qualifications

Before buying a house, buyers must first understand whether they meet the local house purchase conditions, especially Friends who want to buy a house in these big cities cannot apply for a loan to buy a house if they do not have the local qualifications to buy a house. Generally speaking, home buyers with local household registration can buy their first home locally, and some cities have relevant requirements for home buyers with out-of-town household registration to pay social security.

2. Estimating the funds to buy a house

Buying a house with a loan is not just about preparing the down payment. Home buyers should estimate the funds they have before going through the procedures for a loan to buy a house. , prepare a house purchase budget in advance. Before everyone buys a house, they should have thought about what kind of house they want to buy, and have a good idea of ??the down payment required for a loan to buy a house, but they must not ignore other expenses such as taxes, maintenance funds, property fees, decoration fees, etc. .

3. Viewing and choosing a house

Home buyers should follow one principle when viewing a house and choosing a house, that is, the one that suits them is the best. When choosing a house, they should Determine the location based on your life and work scope, and pay attention to various aspects such as unit type, floor, and environment. In addition, home buyers should find out in detail from the developer whether the property developed and constructed by the developer is supported by the bank, because some real estate projects may not be able to apply for loans.

4. Pay a down payment and sign a contract

Although most home buyers now pay a deposit after choosing a house, the deposit is voluntary, and buyers can also choose not to pay it. . After the home buyer has selected the house, it is time to pay the down payment and sign the contract. I believe everyone knows the importance of the home purchase contract, so when signing the home purchase contract, the home buyer must pay attention to whether the content is complete or whether there are any disputes. place, including the division of responsibilities and handling methods for unexpected situations after handover.

5. Go through the mortgage procedures

After the house purchase contract is signed, the home buyer can go to the bank with the information prepared in advance to go through the mortgage procedures. The mortgage loan method generally includes provident fund There are two types of loans and business loans. If the home buyer meets the conditions for a provident fund loan, it is naturally good, and it can also save a lot of interest costs. However, there are also many restrictions on provident fund loans. If you do not meet the conditions, there is no need to force it. The home buyer should choose the one that is suitable for him based on his actual situation. own way.

6. House handover

If you buy an off-plan house, you usually have to wait a year or two before you can take delivery of the house. If you buy an existing house, it usually doesn’t take long. The room can be handed over. When handing over the house, the buyer must carefully inspect every corner of the house and fill in the house inspection report item by item. If any problems are found, they must communicate with the developer in time to resolve them.