Generally speaking, owners, property buyers, banks and intermediaries are all present to sign loan agreements. Some owners or property buyers have no time to sign loan agreements alone for special reasons.
However, the loan card is prepared by the bank loan officer for the owner in advance. On the day of transfer, the intermediary company will go to the loan bank with the customer owner to confirm the transfer and get their respective bank cards. The owner gets a new card designated by the bank to lend money, and the lender needs to pay back every month when he gets a new card. At the same time, the bank staff will inform the owner of the date when the loan arrives. Loan applicants can also receive monthly repayment details to facilitate repayment.
As for going to the bank 20 days after the real estate license comes out, that is, the new house needs to be put in the bank for mortgage procedures, that is, the bank staff takes the new house to the construction Committee to stamp the mortgage on the house, so there is no need to go.
At present, the management of personal loans, especially mortgages, is stricter than before. In the past, the loan could basically be released within three working days after the transfer, and the owner could get the money. Now it is estimated that it will take a month or even longer, which requires the owner to be psychologically prepared.
I hope my answer can help you.