2. Repayment has nothing to do with delivery. In other words, the house loan may have been repaid for 2 years, and the house purchased has not yet been delivered;
3. After signing the sales contract, it is common sense to go through the loan formalities within ten working days, but you can negotiate with the developer to postpone the loan approval procedures, so that you can repay the bank loan in the future; But you must obtain the consent and understanding of the developer, otherwise the developer has the right to investigate your liability for breach of contract and late payment.
Extended data:
Loan process
biographical notes
Borrower's application → pre-loan investigation → examination and approval → signing loan contract → handling insurance, notarization, guarantee and other procedures → issuing loan → filing data → post-loan management → repaying loan → paying off mortgage.
Specific process
(1) Select a property
If buyers want to get mortgage services, they should focus on 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) Apply for mortgage loan
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
(3) sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) signing a house mortgage contract
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) Mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing 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) Open a special repayment account
After the house mortgage loan contract is signed, 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 loan principal and interest and 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 handling 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.
Relevant regulations
According to the Shanghai headquarters of the central bank, according to the joint document of the Ministry of Housing and Urban-Rural Development, the central bank and the China Banking Regulatory Commission in May 20 10, the second set of housing identification standards for commercial personal housing loans is based on families, and both housing and loans are recognized. All banks still strictly enforce this regulation.
However, the central bank also said that banks can consider issuing loans according to their own credit lines and financial constraints, and the specific rules are set by the banks themselves. In addition, before the introduction of the new regulations last Friday, families who have spent money to remove their children's names from the real estate license need not be particularly distressed. Because in this way, children who buy a wedding room are eligible to borrow money from the bank.
Baidu encyclopedia-house purchase loan