Can the repayment date of mortgage be changed?

The repayment date of mortgage loan cannot be changed. The repayment date has been clearly marked in the purchase contract when the loan is made, and cannot be changed. Repayment shall be made on the date agreed in the contract. If it is really necessary to change the repayment time, you can apply for prepayment in accordance with bank regulations by prepayment.

Conditions for prepayment of mortgage loans

First, the borrower can repay part or all of the loan in advance only after the loan principal and interest have been repaid normally for 6 months;

Second, for serious loan management, lending institutions have set a minimum amount for early repayment of some loans, which generally needs more than 6,543,800 yuan;

Third, the borrower generally needs to notify the lending institution 18 days or 15 days in advance to repay the loan in advance, and must submit a written application to the lending institution with the original loan contract, bank repayment savings card, monthly statement of fund repayment, my ID card and other materials, which must be reviewed and approved by the lender;

Fourth, the borrower still needs to repay the original monthly loan principal and interest repayment amount in the current month, and at the same time deposit the loan amount to be repaid in advance into the bank savings card.

The process of handling mortgage loans

1, get ready.

The loan must meet your own conditions first, so that it can be approved. There is a lot of work to be done in the early stage. The owner negotiates the house price with the developer, including the building area, unit price and room number. If you need a loan, you should pay a down payment, usually 30%-40% of the total house price, and then sign a house purchase contract with the owner. Then the developer will ask you to prepare the relevant materials of commercial loans, which generally include: ID card, household registration book, marriage certificate/single certificate, bank card, income certificate, bank card flow, down payment bill, etc.

2. Check the credit information

Credit investigation is a person's credit, and banks with good credit will approve loans. Then the developer will agree with the bank on the interview time. Some bank employees will be stationed in the sales department, and some customers will go to the bank for face-to-face signing. Before the face-to-face signing, the bank staff will review the customer's qualifications and first inquire about the personal credit report. If there is a bad record that exceeds the bank's regulations, the bank will directly refuse the visa. If the credit is passed, the basic information of the customer, including work and income, will also be reviewed. If there is no problem, you will directly sign various forms and materials and so on. If not, it will only be a preliminary inspection. When the bank employees go back, they will report these materials to the branch or sub-branch, and they will not be fully approved until the approval of the superior bank is completed.

3. Filing, mortgage and loan

Loan is a very complicated process, and it will take some time for approval. After the approval of the bank, the developer will file the purchase contract in the real estate management department, which will take about one week to complete the filing, and will give the owner a formal purchase contract and a copy to the bank. Then the bank will take the customer's relevant information to the real estate office for mortgage registration, that is, mortgage the customer's house to the bank. About a week later, the real estate registration certificate will be issued, which means that the house is officially mortgaged to the bank. Then the bank will issue loans after receiving these information, and the loans will be directly entrusted and remitted to the developer's account.

4. Submit the formalities to the borrower.

When we apply for a loan, we will submit a lot of materials and fill out a lot of forms. Not all these materials are left in the bank. The bank will hand over the signed mortgage contract, repayment schedule and payment voucher. Give it to the customer and the mortgage loan will be completed. Generally, the monthly payment will be made next month, and this must be returned on time, otherwise a bad record will be formed, and in serious cases, the house will be directly repurchased or enforced.