First, what should I do after the mortgage loan?
(1) Lending of first-hand houses.
After the borrower's loan is approved, the bank will release the loan amount to the developer's account. The bank or developer informs the borrower to obtain relevant documents and repay the loan in accordance with relevant regulations. Note: Upon receipt of the loan contract, repayment details and repayment account bank card (discount), the borrower will start repayment on the specified date.
(2) Second-hand housing loan.
The bank shall pay the loan amount to the account provided by the seller within three working days after receiving the copy of the deed tax ticket and the original notice of receipt submitted by the buyer.
Note: (1) The seller's account is an account opened by the lending bank.
(2) Upon receipt of the loan contract, repayment details and repayment account bank card (discount), the borrower shall start repayment on the specified date.
2. What are the precautions for repayment after mortgage loan?
After the loan is issued, the buyer shall deposit the amount due in the current month into the repayment account before the repayment date of each month in accordance with the loan contract. If it is necessary to pay the bank card, annual discount or small account management fee according to the regulations of the bank, the borrower shall ensure that the balance in the repayment card (discount) is enough to repay the monthly payment of the current month, so as to avoid loans overdue caused by insufficient balance in the card (discount).
3. When is the mortgage lending time?
1. Generally, it takes 40-50 working days to lend money.
2. The basic process of mortgage loan is as follows: on-the-spot house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the house applying for mortgage loan to inspect the house on the spot; Property right verification; The property owner and co-owner (seller) bring the original ID card and real estate license to the Housing Authority for verification, and then go through the relevant formalities.
3. Signing: The bank carefully checks and verifies the original information of customers, identifies the authenticity of all the signatories, supervises the signature of customers, collects the original real estate license and the deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank; Fill in the contract: the bank sorts out the information and fills in the contract according to the relevant information provided by the customer; Payment obligation: after the bank has passed the pre-trial, it can also notify the customer to pay.
4. Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank; Bank loan.
What should I do after the mortgage is released? First-hand houses and second-hand houses will have different banks, mortgage interest rates. Generally speaking, the loan speed of second-hand houses will be slower. What are the precautions for repayment after mortgage loan? You should be able to deposit relevant funds in time when repaying. If the funds are not deposited in time and the bank cannot deduct the money in time, it will be in trouble.