The loan to buy a house has been exhausted.
After an individual applies for a mortgage loan, most banks will lend money 1-2 months after signing the loan. If the bank is short of money, such as applying for a loan at the end of the year, the time for lending will be slower, which may take about 2-5 months.
How long the mortgage can be extended depends on whether it is a commercial loan or a provident fund loan. If it is a commercial loan, generally speaking, the loan time is relatively fast, and most of it can be lent in 1-2 months. Generally, after signing a housing mortgage loan contract with a bank, the bank will lend money.
What should I pay attention to when buying a house with a loan?
1, apply for a mortgage and do what you can.
Some people think that the bigger the loan amount, the better, but this is not the case! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.
2. Prepare loan information in advance.
Copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of education certificate, copy of income certificate, copy of bank account, purchase contract, down payment invoice, social security related certificates, etc. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.
Step 3 provide real information
If the loan buyers provide false materials to the bank, it may have a serious impact: it will affect the bank's audit, and it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which leads developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages.
4. Clear the repayment method in advance.
At present, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.
5. Don't use the provident fund before applying for a loan.
If the borrower takes the balance of the provident fund before the loan, it will make the balance of the provident fund in his provident fund account become zero, and then the amount of the provident fund loan will become zero. In other words, you can't successfully apply for provident fund loans at this time.
The above content introduces how long it takes to get a loan to buy a house. Generally, one or two months after the loan is made in Paris and 1-2 months after the loan is processed. These related contents are all needed to understand and refer to when buying a house with a loan. What should I pay attention to when buying a house with a loan? For example, we need to know what the repayment method is, and we also need to know whether to choose housing provident fund loans. These related contents can be used for more reference.