Is it true that the real estate developer can only get the balance payment from the bank after the w

Of course not, every mortgage can be made to the developer, and you don't need to wait for the end of the property to get the balance of the purchase. For example, developers of off-plan housing.

When it starts to sell, even if the house has not been delivered, the loan has been put down, and the purchase money is directly paid to the developer, and the developer can withdraw it according to the regulations. After switching to an existing house, there are fewer restrictions, as long as the owner's loan approval is successfully disbursed, the money can reach the developer.

No, real estate developers do not wait until the end of the entire property sale process to get the balance from the bank.

Generally speaking, when a home buyer applies for a loan from a bank, he or she will submit the purchase contract and other relevant materials. If the bank approves the loan, it will release the money to the buyer, and the money will be transferred directly to the developer's account. Therefore, in the process of house sales, the developer will regularly apply to the bank for the payment of the balance of the house purchase according to the sales situation and the contract.

These payments may be for the final payment of a single house or for the entire property.

Of course, the specific situation also needs to be determined according to the purchase contract and the bank's agreement. But generally speaking, developers don't need to wait until the end of the entire development to get the balance from the bank.

Of course not, the final payment for the purchase of the house will be paid to the developer after the buyer's loan is approved.

The fund escrow account is designed by the developer after obtaining the pre-sale license to ensure the safety of the buyer's funds. After the project is delivered and the acceptance is obtained, the funds can be applied for.

As early as you pay the down payment and sign the contract, the developer will take the money when you finish the loan, and there will be no money collected by the developer, basically when you move in, it will be the turn of the property to play, in addition to the property fee, heating fee and other expenses, there will be deed tax and overhaul **, deed tax and overhaul ** are paid to the state.

No. After the loan contract is signed and takes effect, the developer will be able to get the purchase price.

Answer: Hello, no, the down payment can be obtained when the purchase contract is signed, and after getting the down payment, the developer needs to issue a down payment receipt to the owner. The owner of the down payment receipt and the purchase contract go to the bank to go through the loan procedures, and after the bank approves the loan, the two parties go through the transfer procedures, and the full amount will be transferred to the developer's account.

Question: If there is a debt problem, can I not take the house?

Can Evergrande repay the debts of the people in its current situation?

Hello, the owner can't not not take the house without reason. If the house is inspected by a professional home inspector and found that there is a problem with the house, the recipient can not take the house, but if the buyer does not have a valid reason, then the risks that may occur in the house during the period of non-collection are borne by the buyer.

Hello, there is no impact on the lives of ordinary people, because housing prices do not match the income of ordinary people, and most people cannot afford to buy a house and can only take out a loan to buy a house. Evergrande's huge debt should have an impact on the purchase of Evergrande's off-plan properties, Evergrande bonds, Evergrande's wealth management products, the people who live on Evergrande, and the enterprises associated with Evergrande.

If your home loan has been repaid, then you should go to the real estate bureau to go through the procedures for releasing the mortgage, even if the real estate certificate has not come down, you should first go through the mortgage release, and then when the real estate certificate comes down, you do not need to release the mortgage.

Mortgage repaid. What do I need to do after the mortgage is repaid?

Cancellation of mortgage rights with the lending bank; Refund the corresponding insurance premiums with the insurance company; Refund the deposit to the developer.

If you have applied for the real estate certificate during the loan period, you only need to take the bank's cancellation form, other warrants and ID cards to the window of the housing management office of the administrative service center.

If you have not applied for the real estate certificate, after the loan is repaid, take the bank's cancellation form to the window of the housing management office for cancellation, and then apply for the real estate certificate.

The following documents must be brought:

1. A copy of the ID card or household registration booklet of the property owner and co-owner, household registration certificate and private seal;

2. Purchase contract (original);

3. There is a copy of the deed;

4. Purchase invoice and copy;

5. Door card and photocopy.

4. If there are more than one person's name on the property right certificate, at least one property owner must be present, and the original ID card of the rest of the property owners can also be handled, and if there is a minor's name, the guardian must bring the certificate proving the identity of the guardian to be present.

Mortgage bank lending process.

Different banks have different specific housing loan issuance processes, taking the Bank of Workers as an example

Personal Housing Provident Fund (Portfolio) Loan.

When you apply for a personal housing provident fund loan, you must comply with the regulations of the housing provident fund management department on housing provident fund loans. The basic conditions that should be possessed include:

1) Have a permanent urban residence or valid residence status;

2) Participate in the housing provident fund and be able to pay normally;

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, agreements and other supporting documents for the purchase and overhaul of housing;

5) Have self-raised funds above the prescribed minimum amount, and guarantee that they will be used to pay the down payment for the purchased (overhauled) housing;

6) There are assets that meet the requirements for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient solvency as guarantors;

To apply for a personal housing portfolio loan, as long as you meet the loan conditions of the personal housing mortgage loan and the personal housing provident fund loan at the same time. It is important to note that the lender (main lender) of the portfolio loan must be the same person.

To apply for an ICBC housing loan, the following basic conditions must be met:

1. Have a legal and valid identity certificate (resident ID card, household registration book or other valid identity certificate) and marital status certificate;

2. Have a good credit history and willingness to repay;

3. Have a stable income** and the ability to repay the principal and interest of the loan on time and in full;

4. Have a commercial housing sales (pre-)sale contract or letter of intent for the purchased housing;

5. Have the ability to pay the down payment for the purchased house;

6. Open a personal settlement account with ICBC;

7. Be able to provide valid guarantee recognized by ICBC;

8 Other conditions stipulated by ICBC.

How did you end up with the release of the detainee? I'm in your situation right now.

It is important to go through the procedural issues, first go to the bank to find the president or manager, and see how the bank can give a plan.

After the bank issues the formalities, go to the housing authority immediately to handle it.

First of all, you need to find out if your real estate certificate has been processed

1. If it is handled, the real estate certificate should be held in the bank to get it, and it should be noted that there is no mortgage on the real estate certificate, and if it is set, the bank is required to go through the procedures for releasing the mortgage, and there is also a purchase contract. The bank should have a loan contract, and each bank has a different grasp, so it should go through the procedures for repaying the loan, and it doesn't matter what there is, the important thing is whether there are any repayment procedures.

2. If the real estate certificate is not processed, go to the bank to get back the purchase contract, go through the mortgage release procedures, go through the repayment procedures, and then take the house purchase contract, house purchase invoice, public maintenance ** payment certificate, tax payment certificate, ID card, and developer procedures to the Construction Committee to handle the real estate certificate.

Do it according to the bank, it's all this procedure.

If you apply for a loan and mortgage the real estate certificate in the bank, after the loan is repaid, you can go directly to the bank to go through the settlement procedures and get the real estate certificate back.

Sometimes the real estate certificate will be mortgaged at the local housing authority, so after the customer has gone through the loan settlement procedures at the bank, after getting back the other warrants, he also needs to bring his ID card, household registration book, loan settlement certificate, other warrants, house purchase contracts, loan contracts and other materials to the local housing authority to go through the mortgage release procedures in order to get back the real estate certificate.

In short, after the loan is repaid, you can contact the bank directly, and the bank staff will inform the customer what information needs to be brought and when to go through what procedures. And if the customer pays off the mortgage in advance, he will naturally be able to get back the real estate certificate in advance.

However, you need to note that after the loan is repaid, the real estate certificate is returned, and the house mortgage is released, which does not mean that the procedures are all completed, and the customer has to go to the insurance company to go through the procedures for the return of the corresponding insurance premium. If you have paid a deposit with the developer when you buy a house before, you will need to go to the developer to go through the procedures for the refund of the deposit.

Is buying a house after the mortgage is paid off considered a second house?

Paying off the first home loan and buying a second home is considered a second home loan. 5 situations that the bank identifies as a second home:

1. If the parents have a house in their name, they will buy a house in the name of their minor children

Details: According to the new policy, family members include the borrower, spouse and minor children, i.e. minor children are also classified as family. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second home policy.

2. If you have a property in your name when you are a minor, you can take out a loan to buy a house when you are an adult

Explanation: According to the current bank"Subscribe to the loan and the house"If you do not have an existing property, the refinancing to buy a house is a second house, and it will be implemented in accordance with the policy of the second house. According to the past policy, as long as there is no loan for the property when the minor, the application for a mortgage is not considered a second set.

3 people have a house purchased in full under their names, and then take out a loan to buy a house:

Explanation: In the past only"Pledge", this case is not considered a second house, but now it has been added"Acknowledging the room"Although there is no loan, as long as the property can be found in the housing property rights transaction system, if it is not sold and the loan is applied, it will also be recognized as a second house.

4 people have a loan to buy a house under their name, and then take out a loan to buy a house after settling **:

Details: At present, the bank identifies the second house as yes"Recognize the house and the loan"That is to say, although the property purchased with a loan is no longer in the name of the family, because it has a previous loan record, applying for a mortgage will also be counted as a second house.

5. Use a commercial loan for the first home purchase and a provident fund loan for the second home purchase:

Details: At present, the provident fund loan policy is also relatively strict, as long as the borrower has a housing loan record, regardless of whether the mortgage is paid off, whether the property is **, even if the provident fund loan has never been used, the first application for a provident fund loan will be counted as a second house.

1. Generally, after the buyer pays the down payment, the developer issues a down payment invoice;

2. After the bank lends the loan to the developer, the developer will issue an invoice for the loan payment to the buyer. At the time of handover, two invoices are exchanged for full invoices.

3. The developer has received the full payment and will give you an invoice within seven working days. Or give it together when you hand over the house.

4. Consult the developer in advance.

5. If it is paid in installments or in full, the developer should issue an invoice after receiving the payment, if it is a loan purchase, after the buyer pays the down payment, the developer should issue an invoice for the down payment, and after the bank lends money, the developer will issue an invoice for the full amount of the purchase price, and the buyer will return the invoice for the down payment to the developer.

Legal basis:1Article 26 of the Detailed Rules for the Implementation of the Measures of the People's Republic of China for the Administration of Invoices: Units and individuals who fill in invoices must issue invoices when the business income is confirmed in the occurrence of business operations.

2.Notice of the State Administration of Taxation on Issues Concerning the Use of the New Version of the Uniform Invoice for the Sales of Immovable Property and the New Version of the Uniform Invoice for the Construction Industry

Extended information: After the loan is issued, the developer will issue a unified invoice for the full amount of the house purchase when handing over the house. The developer will require the deposit to be paid for the purchase of the house during the signing of the purchase contract, and if the loan is needed, the remaining part of the loan amount will be paid, and then the bank will apply for a loan, and the bank will directly issue the loan part to the developer, and the developer will give the loan to the owner of the loan when the house is delivered, so the full invoice will be issued when the house is handed over after the purchase loan.

After the mortgage is disbursed, the money will not be directly transferred to the developer's account, but will be transferred to the lender's account before being transferred to the developer's account, this process is to ensure that the bank is issuing the loan to the buyer as agreed, and the money is earmarked, and then transferred to the developer's account to pay for the house. When a mortgage loan is deposited into the lender's account, the funds are locked and cannot be withdrawn by the lender and are automatically transferred to the developer's account within a short period of time.

Steps after the mortgage is disbursed After the bank disburses the loan, first of all, the borrower guarantees that the loan contract is received. Generally, the bank will send the relevant loan contract and repayment letter to the borrower, so it is necessary to pay attention to the collection, and secondly, the borrower should get back all the invoices from the developer. After completing the mortgage registration procedures, remember to go to the bank to get back the original real estate certificate.

Finally, the borrower is expected to repay the loan on time every month.

The developer has received the full amount and will give you an invoice for the purchase of the house within seven working days, or together with the delivery of the house. Generally, after the buyer pays the down payment, the developer issues an invoice for the down payment; After the bank disburses the loan to the developer, the developer will issue an invoice for the loan payment to the buyer. At the time of handover, two invoices are exchanged for full invoices.

Buying a commercial house, in real life. Developers generally give temporary invoices, although banks have lent money to property developers. The developer's invoice to the buyer is generally issued at the time of delivery.

Because the actual size of the house can be determined at that time, there will be discrepancies from the beginning of the design and the purchase and sale contract, and the purchase price needs to be made up or refunded. Therefore, the invoice given by the developer to the buyer is on the day when the developer hands over the keys to the house.