What are the precautions for prepayment?
1. Make an appointment in advance. One year after the loan is issued, with the consent of the bank, you can apply in writing to repay part or all of the loan in advance. General banks need 2-7 working days to handle this business. Banks have different regulations on early repayment of loans, so lenders must make clear the operating procedures of loan banks before deciding to repay loans in advance.
2. The loan documents should be ready. If the borrower needs to repay the loan in advance, he should generally bring his ID card and loan contract to the bank for approval after applying by phone or in writing. If it is a borrower who has settled all the balance, after the bank calculates the remaining loan amount, it is convenient for the borrower to save enough money to repay the loan in advance.
3. Calculation method of interest rate after interest rate reduction The new interest standard will be calculated at the beginning of the new year. Therefore, even if the loan is to be repaid in advance, the lender should seize the opportunity and strive to repay the loan in advance before the new interest takes effect at the end of the year. After paying off all the loans in advance, the lender should remember to surrender to the insurance company and other departments.
4. After the surrendering lender settles all the final payment in advance, the bank will issue a settlement certificate. The borrower can call the relevant insurance company with the original loan settlement certificate, the original policy and the original invoice issued by the bank to make an appointment to surrender. When the borrower applies for a loan, the bank will register the mortgage.
What details should I pay attention to when selling a house?
1, house price: rationally analyze the actual value of your house. Be careful not to be deceived by methods such as "cage" and lower your psychological price. The main factors to be considered in the house price are: the location and appreciation potential of the house, lighting, ventilation, floor, transportation, online quotation, actual transaction price and price increase (pay attention to the price increase index, and don't be fooled by the opening and closing of the intermediary).
2. Provision: Try to find a large intermediary chain store to provide it (there are generally more than 10 ~ 20 stores, and you can find the name and address of its branch in Guangzhou through online search) because its management is relatively standardized. Never put it in the hands of self-employed real estate operators with only 1 or a few small shops, because in Zhongcun, a self-employed real estate business department can open it for only a few hundred yuan, and it is difficult to have economic and security guarantees. On the other hand, their operating methods are mostly to depress the house prices of owners and openly "take the price difference as the main source of profit".
3, mentality: don't rush to sell, otherwise the intermediary can follow your psychology, put pressure on you, greatly reduce your psychological house price, and achieve the first step of "eating the difference" to make huge profits.
4. Observation: Observe the reaction of the intermediary, find bad signs from it, and stop the loss in time before receiving the deposit.
5. Sign the Contract: Be sure to sign the House Purchase and Sales Contract recommended by the latest edition of Guangzhou Housing Authority (which can be downloaded from the website of Guangzhou Housing Authority). Never sign an unreasonable overlord contract made by the intermediary company itself, which is specially used to "eat the difference between the owners"! There are many unequal overlord clauses in it, which is very unfavorable for owners to safeguard their rights and interests.