Do I have to pay a deposit to the bank to buy a house with a mortgage?

Other rights of real estate refer to the rights of other groups or individuals other than the property owner and co-owners involved in the real estate, usually referring to mortgage rights, and other rights are held by other rights holders. When purchasing a general property, when choosing a mortgage loan, there will be a record of other rights in the house ownership certificate, indicating the owner of other rights, the type of rights (such as pawn rights, mortgage rights, etc.), the scope of rights (the scope of the house of other rights), the value of rights (the deed of other rights**), the duration of the rights (the term of the deed), and the date of cancellation (the date on which the other rights disappear), and these contents are also indicated in the certificate of other rights. According to the Guarantee Law, the property is mortgaged, that is, the other warrants have not been cancelled, the right to dispose of the property is restricted, and legal transactions cannot be carried out without the consent of the mortgagee, and relevant procedures such as property rights transfer cannot be handled.

The "Certificate of Other Land Rights" is a legal certificate issued by the land property rights registration authority to the mortgagee or pawn and other rights holders. The certificate of other rights to land shall be received by the owner of other rights. The exercise of other rights by the holder of other rights in accordance with the law shall be protected by the laws of the state.

If you buy a house with a mortgage, you need to apply for other warrants, and the bank that will issue you the loan by the registration authority should obtain the consent of the bank holding the other warrants to buy and sell your house. The warrant processing fee of several tens of yuan is, of course, yours. The bank asks for a deposit, which is usually a month to repay the loan, that is, you need to deposit this money first, or your money, which is customary.

You don't need to pay a deposit to buy a house with a loan, because you use the house as collateral. However, there will be other conditions, such as checking credit history or proof of income.

Loan to buy a house procedure:

First of all, please check with the bank. And apply for a personal housing loan with the above information.

Then you will be reviewed by the bank and the loan amount will be determined.

Next, you can apply for a loan contract, and the bank will handle the insurance on your behalf. Handle the registration and notarization of property rights and mortgages.

The last thing left is for the bank to issue the loan, and the borrower will cancel the registration after making monthly repayments and paying off the principal and interest.

There is no need to pay a security deposit because you need to make a down payment and sign a house purchase contract before you can apply for a housing provident fund loan. When you apply for a mortgage, the developer's house payment is the bank to give you a loan first, but not directly to you, but to the other building developer, although your property right certificate has been handled, but the mortgage (property right certificate) is handled by the real estate management bureau, it is placed in the archives, only to the bank a mortgage warrant, the house is mortgaged to the bank, only after you repay the loan, the property right of the house is 100% returned to the buyer (with the bank repayment procedures, take out the mortgage certificate, and then go to the housing authority to get the property right certificate).

Extended information: 1. The process of buying a house with a loan - submit the following information to the mortgage bank.

1) Submit legally valid certificates (resident identity card, household registration booklet, military officer certificate, residence certificate such as passport, family visit permit, return permit and other identity documents for foreign natural persons who have the right of abode in Chinese mainland);

2) Proof of regular income or other proof of ability to repay;

3) The original of the contract witnessed by the real estate management department;

4) Other documents required by the lending bank;

If the borrower's spouse applies for a loan jointly with the borrower, the borrower's spouse should also fill in the relevant information of the spouse on the loan application form, and present the household registration booklet, etc.;

Second, the process of buying a house with a loan - signing a loan contract.

The bank reviews the information provided by the lender, and after passing the examination, the bank, the developer and the lender sign the "Real Estate (Mortgage) Contract", "Building Contract" (note, this contract needs to be notarized or witnessed by a lawyer, and the cost is borne by the buyer), and the three parties jointly go to the real estate management department for registration. Among them, buyers are required to submit the following materials:

A) the original contract for the sale and purchase of commercial housing witnessed by the real estate management department;

2) Submit legally valid identification documents (resident identity card, household registration booklet, military officer certificate, passport, family visit permit, return permit and other residence documents or other identity documents for foreign natural persons who have the right of abode in Chinese mainland);

3) Mortgage loan contract;

4) Mortgage application form and original.

If you entrust another person to register on your behalf, you need to submit a valid original.

3. The process of buying a house with a loan - disbursement of the loan.

After completing the relevant formalities, the loan shall be granted with the consent of the lending bank, and the lending bank shall directly transfer the loan to the deposit account opened by the borrower at the lending bank in accordance with the agreement, or transfer the loan to the deposit account opened by the seller at the lending bank in one time or in installments.

Customers who choose to repay the loan by entrusted deduction (there are currently two repayment methods available: entrusted deduction and over-the-counter repayment) need to sign an entrusted deduction agreement with the bank and open a special account for repayment at the business outlets designated by the lending bank. At the same time, the seller should open a settlement account or a special deposit account at the lending bank.

Fourth, the process of buying a house with a loan - repay the loan on time.

The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

After the loan is settled, the borrower shall obtain the loan settlement certificate from the lending bank, retrieve the mortgage registration certificate of real estate ownership and the original insurance policy, and go to the original mortgage registration department to go through the mortgage registration cancellation procedures with the loan settlement certificate issued by the lending bank.

There is no need to pay any deposit to the bank for a mortgage, if the sales department says to pay, it may be the personal behavior of the developer or sales staff, and you can refuse to pay.

When buying a house and buying a house for a loan, you need to pay a deposit to the bank, which is generally handed over to the bank and there is a receipt inside.

In fact, the mortgage loan to buy a house, in addition to repaying the loan principal and interest on time in accordance with the contract, you do not need to pay any fees before and during the loan, you just sign a contract with the bank, and then they will approve it according to your purchase contract, and the loan will be released to the developer if it is passed, and you will repay the loan on time.

In principle, there is no such thing, since the procedures and applications for the loan have been submitted, and the bank approves that you meet the loan conditions, it will naturally lend you money, and then you can repay the loan regularly, why do you have to pay a deposit, this should belong to the overlord clause on the developer's side, and it is not recommended that you do so.

Hope it helps, hope!

To buy a house and apply for a loan, you do not need to pay a deposit to the bank, open an account at the bank designated by the developer, and repay the loan every month.

No deposit is required. To buy a house loan, you need to pay the purchase contract, as well as proof of income and other materials before you can take out a loan. Hope it helps.

Do I need to pay a deposit to the bank to buy a house and get a loan? The sales department said that it was going to be handed over to the bank. I think that when I buy a house, apply for a loan, buy a house, do I need to pay a deposit to the bank for a loan?

The sales department said that it was going to be handed over to the bank. I don't think you need to buy a house to buy a loan, do you need to pay a deposit to the bank to get a loan? The sales department said that it was going to be handed over to the bank.

I don't think you need to pay to the bank to buy a house and get a loan, and do you need to pay a deposit to the bank for a loan? The sales department said that it was going to be handed over to the bank. I think that when buying a house, you don't need to pay a deposit to the bank for a loan.

Do I need to pay a deposit to the bank to buy a house and apply for a loan? The sales department said that it was handed over to the bank, and there was no need to pay a deposit to buy a house for a loan, and the bank would use the house as collateral.

There should be no such problem, don't think too much, you care too much, you can go to the local ** department, housing management bureau to consult.

You don't need to pay a deposit to buy a house with a loan, because you use the house as collateral.

In mortgage loans, people are most concerned about the conditions and procedures, and the first thing to provide is the information that needs to be provided for mortgage loans

1. The ID card of the applicant and the spouse, the original and 3 copies of the household registration (if the applicant and the spouse do not belong to the same household registration, a certificate of marital relationship shall be attached).

2. The original purchase agreement.

3. 1 original and 1 copy of the advance payment receipt of 30% or more of the room price.

4. Proof of the applicant's family income and relevant assets, including salary slips, individual income tax bills, income certificates issued by the unit, bank deposit certificates, etc.

5. One copy of the developer's collection account number.

Hello, regular loan companies will not charge pre-loan fees, such as deposits, verification money, insurance money, etc., and will not communicate with you through QQ, WeChat and other private social accounts, so if you encounter financial fraud by impersonating a regular loan company, please be vigilant, do not be deceived, if you are deceived, the first time to report to the police, to minimize the loss of your funds.

In addition, if you have an urgent need for money, it is recommended that you must choose a reliable big brand, which is a credit service brand of Du Xiaoman Finance (formerly Finance), which is safe and trustworthy, and has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security. The online application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for loan disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

I hope this is helpful to you, click below on the mobile phone to measure the amount immediately.

Hello, the mortgage loan deposit is the money that the bank collects from the developer in the mortgage loan process according to a certain percentage of the total loan amount, and bears the joint and several guarantee liability for the mortgage loan, until the real estate certificate is processed and the mortgage registration is completed, the bank will return the mortgage loan deposit to the developer.

Hope it works for you, hope!

According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows:

First of all, the house purchased by the applicant must be self-owned, have a permanent residence in the city or a valid identity document, and have paid the housing provident fund normally for 6 consecutive months before applying for the loan.

Secondly, the applicant has a stable economic income, no bad credit record, the first house must be 30% down payment, 90 square meters and below housing can be 20% down payment, and have the ability to repay the loan according to the regulations, but also have the housing registration information certificate issued by the housing security bureau of the place where the provident fund is deposited and the place of purchase.

Finally, a guarantor approved by the client provides a staged guarantee before the mortgage takes effect, and uses the purchased house as collateral. Of course, the buyers of co-owned houses who apply for housing provident fund loans are limited to parents and adult direct children for the time being.

<>1. When applying for a mortgage in the bank, you need to pay the corresponding cost of work, notary fee and appraisal fee, and there are no other additional fees involved.

2. Production cost: 100 yuan;

3. Notary fee: 300-600 yuan;

4. Evaluation fee: 1/1000 to 3/1000;

5. In addition, there should be no other costs, and if there is a guarantee company, a guarantee fee should be paid to the guarantee company.

6. The general process of buying a house with a bank mortgage:

7. (1) First call the bank's customer service to understand the documents required to buy a house with a mortgage, and make an appointment to buy a house with a mortgage.

8. (2) The applicant should personally bring the relevant documents to the bank to handle the business and sign the corresponding written documents.

9. (3) Sign the loan contract, and the relevant insurance will be handled by the bank without the applicant's consideration. Handle the registration and notarization of property rights and mortgages.

10. (4) After the completion of the relevant procedures, the bank shall issue the loan according to the loan contract, and the applicant shall repay the bank loan on a monthly basis.

Legal Analysis]: If the loan to buy a house does not meet the loan conditions, the bank usually requires the lender to provide one or more guarantors. When applying for a mortgage, it is generally easy to get a loan approved if the borrower usually has a large income or good daily credit.

Banks have certain requirements for both the lender and the guarantor, so the lender cannot just find a person to be a guarantee, in addition to a stable job and income, the guarantor must have a good personal credit.

Legal basis]: Article 681 of the Civil Code of the People's Republic of China A guarantee contract is a contract in which the guarantor and the creditor agree that the guarantor will perform the debt or assume responsibility when the debtor fails to perform the due debt or the situation agreed by the parties occurs.

Yes, a mortgage guarantee is required to buy a house with a bank loan, and for those who buy a house with a mortgage, there are standards for applying for a mortgage to buy a house. Application conditions for bank loan to buy a house: 1. Have a permanent urban residence or valid residence status; 2. Have a stable occupation and income, good credit, and have the ability to repay the principal and interest of the loan on time; 3. Have self-raised funds of more than 20% of the total price of the purchased housing, and guarantee that it will be used to pay the down payment of the purchased housing.

Article 400 of the Civil Code stipulates that in order to establish a mortgage right, the parties shall enter into a mortgage contract in written form. The mortgage contract generally includes the following clauses: (1) the type and amount of the secured claim; (ii) the time limit for the debtor to perform the obligation; (3) The name and quantity of the mortgaged property; (4) Scope of guarantee.