What should I do after receiving the SMS notification of mortgage loan?

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.

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.

Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. You can go to Sixi Data to check the personal credit risk index. The higher the risk score, the easier it is for the application to be rejected.

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What should I do if the down payment is paid and the loan 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.

It is suggested that if the mortgage cannot be done 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.