When do you start to pay for buying a house every month after the down payment? Generally, you sign a contract first, then wait for the other party to sign a house purchase contract and pay the down payment, and then go to the bank with your ID card, house purchase contract and down payment receipt. Then the bank will review the customer and notify the customer to sign the loan contract after confirmation. After signing the loan contract and going through the relevant formalities, the bank will issue the loan to the customer's account and repay it from next month. The whole process, from house signing, to bank loan, to bank audit, to approval, to loan contract signing, to loan, takes almost more than one month, that is, after two months, repayment can be started. Although it takes different time for different banks to handle it, in general, customers will be informed. So customers can handle it in batches according to the bank's notice. When the loan arrives at the bank, the bank will tell you the specific repayment date and inform you of the monthly repayment amount. Customers only need to sign an automatic repayment agreement and bind a credit card, so as long as there is enough cash in the account, the bank will deduct it from the card every month on the repayment date.

The process of buying a house by loan 1. Mastering credit information: First, if you want to get a loan, you must first investigate your credit history and look at your credit history. If you buy a house, you will find that your credit record is not good enough.

2. Know the bank: before applying for a loan, buyers can go to the bank for consultation, asking about the loan conditions, interest rates, approval time and lending time, and then compare them and choose the right bank.

3. Loan preparation materials: ID card. If you are married, you need a couple ID card. If you are ordinary, you need more documents. Account book, please note that if you are not the head of some banks, you must copy the information of the head of the bank and the account information together; Marriage certificate, that is, marriage certificate, divorce certificate, etc. ; Work has proved that some banks have special forms or need certain elements, so they should ask the banks; Income proof, the general bank will require repayment for more than two months each month; Checking documents means going to the housing management department to check whether you have property rights files, that is, whether you have real estate. These are all other materials needed to go to the housing management department and the bank.

4. Sign a loan agreement: After meeting the loan conditions, buyers can sign a sales agreement in their favorite real estate, pay the down payment and go through the loan procedures. Then, he will sign a loan agreement with the bank, pay all the handling fees, and handle the mortgage and insurance. This process is time-consuming. How long does the bank audit take? Different banks, different places, different banks.

Then, the buyers have to wait for the bank's notice, then go to the bank to confirm, and then let the customers send the information to the Housing Authority. If your application is accepted by the bank, you will be asked to provide more information if your information is incomplete.

5. Waiting for bank loans: Some banks require customers to apply for loans at the bank again. After the loan, remember to ask for a loan contract and an iou. In addition, the real estate license needs to be copied in two copies, and remember to affix the seal of the bank. This is the work of some institutions.

The above is about when to start the monthly payment after the down payment. I believe you already know something about this. I hope this article is helpful to you.