How long does it take to pay the down payment after the house opens?
Pay the deposit to book a room, sign a contract to pay the down payment, the bank handles the bank mortgage, waits for the bank to lend money, and starts to repay the monthly payment. The developer will give the customer time to prepare the funds, usually 5- 10 days (see the agreement on the deposit form). If customers find it difficult, they can negotiate with the developer to sign a contract, pay the down payment first and then make a reservation.
Can I get a loan for a mortgage house?
1. Mortgaged houses can be loaned. At present, many banks can transfer loans. With the further relaxation of the bank mortgage approval policy, CITIC, Agricultural Bank of China and other banks launched? Housing loan? The method gradually heats up, and the high amount can reach 90% of the real estate appraisal value.
2. The applicant of mortgage loan only needs to apply for comprehensive credit to the bank for his own property in the form of high mortgage. After the approval is successful, the applicant can repeatedly use the loan funds to meet personal and family consumption needs such as decoration, study abroad, travel, car purchase, etc. under the premise of not exceeding the validity period and available amount of credit, and the maximum period can be up to 30 years.
3. Is the house residential or commercial, mortgage or full payment, first-hand or second-hand, existing house or auction house? Can I apply for mortgage of the house? Housing loan? . Without settling the existing mortgage loan, the bank will delete the mortgage loan balance from the credit line, and the rest will be available for customers to make money.
4. Pay attention to the loan company for the second loan. This should be clear, because many loan companies have done other things in the name of your loan. Of course, if it is a formal company, it will not encounter such problems. Therefore, when handling, you must not trust the real estate mortgage company on the roadside.
We should pay attention to the repayment of the second loan. Check the repayment status in real time. Once the loan is settled, the credit report shows that you can apply for a second mortgage. Attention. Time difference before and after, if a regular company, I can help you check. Some real estate agents can also help you with this kind of business. Of course, it is still the same word: reliable.
6. Real estate mortgage loan amount. Pay attention to the amount of real estate mortgage loan for the second loan. If you have paid off all the loans, but the money of the second loan is almost the same as the money you paid back, then you don't have to toss about. Of course, you still have to repay the loan every month, and your loan time will be delayed.
The article is about how long it takes to pay the down payment after the house is opened, and whether the mortgaged house can be loaned. I hope I can bring you some help. After the down payment is paid, the monthly payment will be paid. After the house is opened, if you decide to buy a house, you need to pay a down payment.