The loan contract was signed only after the bank loan was approved. The mortgage loan contract is generally handed over by the bank to the developer, and the developer will hand it over to you. According to the progress submitted by the developer, it is related to whether the information you provide is timely.
The collection of the loan contract means that the mortgage that needs to be applied for has been issued by the bank and credited to the buyer's account, indicating that the collection can only be made at the bank when the loan is repaid normally.
After the customer signs the commercial housing purchase contract, the developer will submit the purchase contract to the Housing Authority for the record, which usually takes 30 days.
However, if the customer is in mortgage to buy a house, after the contract is filed with the Housing Authority, all the loan information of the customer needs to be submitted to the mortgage bank for review, and the mortgage loan procedures need to be handled. The processing time of this process generally takes about 30 days (depending on the work of different banks).
After all the above procedures are completed, the signing center will inform the customer to receive the purchase contract.
Loan process:
First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
After the above procedures and formalities, you can get a new house through mortgage.
Extended data:
1. Since 2006, all sales contracts have been signed online. Generally, the contract will be initialled before online signing, and it will be signed online after confirming that the contract content is correct and there is no objection. After the online signing of commercial housing, the developer records the contract, obtains the record number after being audited by relevant departments, prints out the contract text, and the buyer and the seller sign and seal, each holding its own copy. After the contract is signed, the real estate management department will return a 9-digit record number beginning with 06 after review, indicating that the contract has been successfully filed.
2. For specific operation steps and details, you can consult the developer or the Housing Authority's property market section in detail.
3. To inquire about the contract filing and registration, you can log on to the website "Commercial Housing Sales Contract Filing and Registration" to inquire about the channel, enter the ID number and contract filing and registration number, and choose the correct filing time. ?
References:
Baidu Encyclopedia-House Purchase Contract Filing