If you can t afford to pay off the house with a mortgage, does it have anything to do with the sales

The mortgaged house is linked to the bank and has nothing to do with the sales office. If you can't pay the mortgage, the bank can confiscate the house at any time. However, the landlord should not worry too much, the house that has not paid off the mortgage can still be sold and will not lose money at that time.

It has nothing to do with the sales office anymore.

When your loan is issued, your house has been mortgaged to the bank, and the bank will pay the full amount of the house to the sales office on your behalf. Therefore, the mortgage is a matter for you and the bank, and has nothing to do with the sales office.

mortgage to buy a house. After applying for a mortgage loan through the bank, if you can't pay the mortgage every month, it has little to do with the sales department, so it can be said that you have a direct relationship with the bank's credit department at this time, so if you don't repay the loan on time at this time, the bank. I'll notify you if I'm not busy now.

It has nothing to do with the sales office, but with the lender.

When you buy a house with a mortgage, the sales department will tell you according to the length of your mortgage and how much you need to repay the loan every month after the down payment, and if you can't pay the mortgage every month, it has nothing to do with the sales department.

If it has nothing to do with the sales department, it has a relationship with the contracted bank. If you can't afford to pay your mortgage, the bank will teach you how to behave.

It has nothing to do with the sales office, and if you can't afford to repay the loan, the bank will auction the property.

If you buy a house with a mortgage, you will use the house as collateral for a bank loan, and if you don't repay it every month, the bank will realize the collateral, and the sales office will do nothing, and you don't have a house.

After the down payment of the housing loan, the time for completing the mortgage loan procedures is generally clearly agreed with the real estate developer in the contract, if the loan cannot be completed within the agreed time, it is necessary to inform the real estate developer and obtain the consent of the real estate developer to extend.

Mortgage loan procedures.

The specific procedures for buyers to apply for real estate mortgages are as follows:

1) If you want to get real estate mortgage services, you should focus on this aspect when choosing a property. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should also further confirm whether the property developed and constructed by the developer has received the support of the bank to ensure the smooth acquisition of the mortgage loan.

2) After confirming that the property they choose is supported by the bank's mortgage, the buyer should learn from the bank or the law firm designated by the bank about the bank's regulations on the buyer's mortgage loan support, prepare relevant legal documents, and fill in the "Mortgage Loan Application".

3) The bank that signs the purchase contract receives the relevant legal documents of the mortgage application submitted by the buyer, and after reviewing and confirming that the buyer meets the conditions of the mortgage loan, it will issue the buyer a notice of consent to the loan or a letter of commitment for the mortgage loan. Buyers can sign the "Commercial Housing Pre-sale and Sales Contract" with the developer or its ** businessman.

4) After signing the mortgage contract, the buyer signs the mortgage contract with the developer and the bank with the relevant legal documents stipulated by the bank to clarify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations.

5) Handle mortgage registration, insurance buyers, developers and banks with the "Building Mortgage Loan Contract" and the purchase contract to the real estate management department for mortgage registration and filing procedures. For off-plan properties, the mortgage registration should be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require home buyers to apply for life and property insurance in order to prevent loan risks.

When purchasing insurance, the buyer shall specify the bank as the first beneficiary, and the insurance shall not be interrupted during the loan performance period, and the insured amount shall not be less than the total value of the collateral. The insurance policy is placed in the custody of the bank until the principal and interest of the loan are repaid.

6) Open a special repayment accountAfter signing the "Building Mortgage Loan Contract", the buyer shall open a special repayment account in the financial institution designated by the bank according to the contract, and sign a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account. The bank confirms that the buyer meets the mortgage loan conditions and fulfills the obligations stipulated in the "Building Mortgage Loan Contract". After going through the relevant procedures, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the buyer's purchase money.

Impossible, you must have a down payment to collect a huge amount of money, and you can make a mortgage at the bank.

It's best for the developer to do it for you. Because it would be troublesome and more expensive to do it yourself. Because the bank will not directly handle the loan now, the bank will only appoint a guarantee company for you, and the reason is the same.

I don't know if you have a CPF loan or a business loan; If it is a provident fund loan, you can do it yourself if you have time; If it is a commercial loan, it will be handled by the sales office, before the property right certificate is not down, the application for a bank loan needs to be guaranteed by the developer in stages, if you go to the bank to handle it, it is very troublesome, and the developer is not willing to provide so much information because of your household.

If the owner entrusts the developer to handle the real estate certificate instead, you need to hand over this bill and the purchase of the house and the real estate of the house to the developer, ID card, household registration book, and marriage certificate to the developer instead of applying for the real estate certificate.

If you do not entrust the real estate certificate, the owner of this bill will keep it to prove that you are a tax-paid house, and you need to show it when you sell the house in the future.

The designated bank of the sales office is because the developer has established contact with the bank, and the developer needs to provide the bank with five certificates and some relevant procedures for development and construction before being allowed to take out a loan, if you look for another bank, the bank needs to issue the developer procedures you can also provide, and there is the problem of the loan account, a little troublesome, it is recommended to use the bank designated by the sales office.

Buyers can choose the bank recommended by the developer, or they can choose the bank by themselves, which is called a direct customer loan, as long as the chosen bank carries out this business, there is no problem;

Direct customer loan refers to the loan model in which the bank directly lends the purchase money to the buyer, and allows the buyer to pay the total housing payment of his down payment and the bank loan obtained to the developer in a lump sum.

Buyers are free to choose a bank that has the business; One-time payment discount for home purchase (depending on the project); Waiver of attorney fees for the developer's appointed lawyer to review the buyer's loan eligibility and other formalities; Waiver of insurance premiums (depending on the bank, the project); Fast disbursement of loans. However, compared with other products, the threshold for applying for direct customer loans is relatively high.

What you need to prepare:

1. Application for loan;

2. Legally valid identity documents (resident ID card, household registration booklet, military ID, or other valid residence certificates);

3. Proof of payment of the down payment of the purchased housing;

4. Proof of economic income;

5. Contracts, agreements or other valid documents for the purchase of housing;

6. Other supporting documents or materials required by Bank of China.

Yes, but it's quite troublesome, because the developer has a cooperative relationship with the lending bank, so in order to avoid trouble with the developer, it is better to go to the designated bank.

At the end of the year, banks tightened lending and waited patiently, and the application for portfolio loans needed to meet the two requirements of provident fund and commercial loans.

When a borrower applies for a portfolio loan, the following basic conditions must also be met:

1) The borrower has a legal identity;

2) The borrower is a natural person who has paid the housing provident fund on time and in full;

3) Have a stable economic income, good credit, and the ability to repay the principal and interest of the loan;

4) Have legal and valid contracts and agreements for the purchase (construction and overhaul) of housing and other supporting documents required by the lending bank;

5) Self-financing of more than 30% of the total price of the purchased house, and guaranteed to be used to pay the down payment of the purchased house.

6) There are assets approved by the lending bank as collateral or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient solvency as guarantors;

7) Meet the borrowing conditions stipulated by the local provident fund management department;

8) Other conditions stipulated by the lending bank.

1. Check-out is not allowed.

2. You apply for a loan from the bank to buy a house, and you sign a mortgage, and the logical relationship is that the money to buy a house is not enough, so you apply for a loan from the bank to pay for the house, and the house is used as collateral. At this time, if you move out, it means that you do not have a house, and the loan collateral does not exist, and the loan contract will also be unable to perform due to your check-out, so once you check out, you will face the default compensation of 2 contracts.

3. The purchase contract is the legal basis for binding the buyer and the seller, once the contract is signed, it means that there is a legal constraint on both parties, and both parties cannot repent, otherwise they need to pay the liquidated damages agreed in the contract.

4. The signing of the loan contract is a legal constraint between you and the bank, and once signed, you cannot renege at will, otherwise you need to pay the liquidated damages agreed in the contract.