The mortgage I applied for received a short message from the bank today saying that I lent money today. What should we do next?

After receiving the short message of mortgage loan, just wait for the bank to transfer the loan funds in the receiving bank card to the designated account of the real estate developer.

Second, the specific analysis

However, after the mortgage loan is transferred to the bank card under its name, it will generally be transferred to the account designated by the developer immediately, and the mortgage will be completed after the real estate developer receives the remaining house payment.

Next, as long as the repayment plan agreed in the signed loan contract is followed, the mortgage principal and interest can be repaid in installments on time.

If you have paid the housing provident fund, you can also apply for provident fund loan repayment business, and use the balance of the provident fund account to repay the mortgage (you can apply for monthly payment, that is, deduct the corresponding amount from the provident fund account every month to repay the principal and interest that should be repaid in the current month; You can also apply for an annual offset, that is, deduct the balance of the provident fund account once a year to offset the principal payable).

If you have sufficient funds in your hand, you can also make prepayment (generally, it takes one year to apply for prepayment, otherwise you may have to pay a certain penalty).

After the mortgage is paid off, go to the bank to issue a loan settlement certificate, get his warrant back, and then go to the Housing Authority to understand the mortgage procedures.

But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: You can query your own online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.

3. What if the down payment of the house is not paid and the sales office does not refund it?

The house has been paid down, and the mortgage can't be done. If the sales office does not get a refund because of check-out, you can contact the developer to negotiate, and the developer will not force the purchase.

If return a house is implemented, the developer will terminate the business, and everything will be subject to the written contract.

Just need to pay attention, if the mortgage can't be done because of its own problems, then you may need to pay a certain amount of check-out penalty. The developer estimates that it will not be returned in full, and some may be deducted.

Of course, if you can't get a mortgage because the developer has a problem, then the developer has no reason not to refund, and can ask the other party to refund the money in full, or even ask the other party to pay a certain loss fee.

If the dispute cannot be resolved, you can also bring a lawsuit to the court and let the court mediate through legal channels.

I suggest that if you can't get a mortgage because of personal problems, don't give up easily. You can apply at another bank. And you can try to increase the down payment and reduce the loan amount; You can also find a person with good credit to guarantee your loan, which can improve the chances of loan approval.