1, if the buyer buys an existing house, he can go through the formalities of handing over the house after the mortgage loan is down. 2. The handover procedure is very fast, and it can be completed in one morning. During this period, the buyer needs to pay certain handover fees, such as prepayment of property fees, prepayment of utilities, account opening fees for natural gas and heating, and so on. 1. After the bank loan is approved, you can go to the housing management department to handle the transfer procedures. 2. Waiting time of general housing management department 15-22 days (because there are many people in housing transactions) 3. After completing the transfer procedures, go through the formal mortgage loan procedures in the housing management department, mortgage the property right certificate in the housing management department, and the property owner signs it on the spot. 4. The bank will notify the borrower and issue the loan after seeing the formal mortgage certificate of the house. The borrower can formally live in the house. 5. After that, the property right of the house belongs to the borrower, and the monthly payment is returned to the bank every month until the loan is settled, the mortgage procedure of the house is lifted, and the real estate license is recovered. I don't know your city. Small cities should pay close attention. Generally, large and medium-sized cities need about 15, but they can pay for the emergency and complete the mortgage transfer formalities in about one week.
The process of buying an existing house with a loan, from the loan to the later delivery. How long will it take?
As long as the loan is approved, the house will be handed over.
Because it's already an existing house.
The loan is only half a month, usually about a month, but some of them take two or three months.
So it depends on which bank does it and how many rest days there are.
How long does it usually take to hand over the house?
The handover procedure is very fast and can be completed in one morning. The delivery time of quasi-existing houses shall be handled according to the contract. One-time payment to buy an existing house, and you can hand over the house after paying the money. If you buy an existing house with a loan, you need to go through the formalities of handing over the house after the mortgage loan comes down.
Pay attention to the living environment when buying existing homes. The living environment mainly includes internal environment and external environment. Looking at the internal environment of the residential area, we should first look at whether the building spacing is enough, whether it will affect the normal lighting and ventilation of the house, whether the living facilities are perfect, and whether the residential facilities can meet the living needs of buyers.
Property buyers can not only look at the living room, but also ignore the bedroom, kitchen and bathroom when they look at the house on the spot. Whether the width of each room is appropriate and whether the layout of each room is convenient for residents' lives.
When choosing an existing home, the property management of the residential area is the most easily overlooked by most buyers. Even if it is an existing house, you should ask the developer about the future property situation of the community before buying a house. After all, whether the house is used for self-occupation or investment, the property is very important.
When will the mortgage on the new house be paid back? Should I repay the loan after handing over the house or when buying a house?
When buying a house, sales will let you go to the bank for a loan. After the loan is approved, it will take about 1-2 weeks, and then the loan will be repaid. At this time, the new house may not have been built, it may not have been delivered, or it may have been delivered.
The loan has nothing to do with the construction speed of the house and the delivery of the house.
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Extended data
Mortgage application materials
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)