2. Preliminary review. According to the loan policy, the acceptance personnel will conduct a preliminary review of the materials, enter the information into the table, and after the approval, the system will output the contract text and the loan receipt.
3. Sign for confirmation. The loan applicant and * * * together with the applicant sign at the position specified in the above loan text and bank withholding agreement.
4. Apply for insurance. Loan applicants and * * * applicants go to the insurance company window to handle insurance (repayment guarantee insurance and property loss insurance) and mortgage procedures.
5. issue loans. After the mortgage formalities have been completed within the publicity period, the management department will entrust the bank to transfer the loan to the bank card after reviewing the receipt and loan materials, and the borrower will collect it from the entrusted bank with the original ID card.
6. Repay the loan. The borrower shall deposit the principal and interest payable in the bank card or repay the loan at the bank window every month within the period agreed in the bank withholding agreement until the loan is fully paid off.
How to pay in installments when buying a house?
The process of buying a house by stages is that after selecting the property, the buyer applies for installment payment and signs a purchase contract with the developer, then signs an installment payment contract, and finally handles mortgage registration, insurance and repayment-only account opening.
Buying a house by stages does not require the full amount, and you can get the right to use the house by paying part of the fee. But the rest needs to be paid off within the specified period.
First of all, installment payment can expand the sales of commercial housing, make some unsold houses put into use as soon as possible, and make money and materials play a comprehensive role; Secondly, it can promote the stable and harmonious development of the real estate trading market and attract a large number of property buyers; Thirdly, the housing of low-income people can also be guaranteed; Finally, the existing public houses can also be sold to tenants by stages to recover a lot of money.
Payment by installments is generally stipulated in the contract. According to the development and construction progress of the project, the house payment shall be paid in installments, and a part of the final payment shall be reserved when the house is delivered for use.
What should I pay attention to when buying a house by stages?
1. Don't repay the loan in advance in the first year.
According to the relevant regulations, part of the prepayment should be made after one year of repayment, and the amount returned by the borrower should exceed the repayment amount of six months.
Don't use the provident fund before applying for a loan.
Before the loan, the borrower withdraws the balance of the provident fund to pay the house payment, and the balance of the provident fund in the provident fund account will be zero, so the amount of the provident fund loan is zero, which means that no provident fund loan is applied.
Don't forget to find the bank around you if you have difficulty in repaying the loan.
During the loan period, when the debt repayment ability drops or encounters difficulties, you can apply to the bank for extending the loan period. After investigation, the bank finds that there is no default in repaying the principal and interest of the loan, and will accept the application for extending the loan term.
Don't forget to cancel the mortgage after the loan is paid off.
After paying off all the loan principal and interest, with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property, go to the core of the real estate transaction in the district where the property is located to cancel the mortgage.
5. Don't lose the loan contract and IOUs.
The longest loan period can be up to 30 years, and the borrower should properly keep the contract and the iou. They are very important legal documents.
The difference between installment payment and loan.
1. The difference between installment payment and mortgage payment: the installment payment period generally does not exceed 1 year, and the modification object of installment payment is the developer, and no interest is paid; The mortgage is not only long-term, but also the repayment target is the bank, which has to pay interest;
2. Specifically, mortgage loan means that the buyer obtains a loan from the bank with the purchased house as collateral, and the buyer pays the bank in installments according to the repayment method and time limit agreed in the mortgage contract; Banks charge interest at a certain rate. If the lender defaults, the bank has the right to take away the house.
3. Generally, installment payment is mostly used for some products with long production cycle and high cost. Such as complete sets of equipment, large vehicles, heavy mechanical equipment and other products. Most of the rest of the money will be paid in installments after some or all of the products are produced and shipped, or when the warranty period for installation and commissioning investment expires.