Ye Jia said that immigrants

The above people have answered in detail. Let me add a few points.

1, the question of payment time is the question of trust. You are worried that there will be problems after payment, and the brokerage company is also worried that it will not receive the money after completion. Do you have any way to reassure them? I think this is negotiable.

2. Loans can generally be found by yourself. If you have a familiar bank. This cannot be forced. Some customers are unfamiliar with banks or have some special requirements for loans, such as speed, amount and loan time. And the policies of each bank are slightly different, so the brokerage company will choose the most suitable company to recommend to you according to your needs. If the bank you choose is not suitable, it may affect the transaction. For example, if the loan amount is not enough, you may not have enough money to buy it. For example, the loan time is slow and the trust period is too long, so the owner will not do it. Therefore, you can choose your own bank without affecting your transaction. In addition, for people upstairs, sometimes, loans are also an auxiliary service of our brokerage company, and not everyone will make money on them. If you are worried, such as the appraisal fee, you can learn about it, communicate with the appraisal company designated by the bank, and ask for the invoice when paying the fee, which can also prevent the phenomenon of arbitrary charges, that is, you can pay the fee at the window and ask for the invoice yourself.

3. The loan of 500,000 yuan needs to be negotiated with the owner. The general repayment method is: 1, the owner pays it himself, 2, the buyer pays it back with a down payment, and 3, you need to find someone to pay for it (there is a cost). According to actual negotiations, it is possible. Either way, it is necessary to stipulate several points in the contract: a: the time to make an appointment for prepayment, b: the time to obtain the settlement certificate and complete the mortgage cancellation procedures, and c: the liability for breach of contract. These need to be confirmed by the owner and the bank and written into the contract. Ensure the performance of the contract.

It doesn't matter where the landlord goes. It is important that you write all the things that need to be handled by both parties in the contract and have a reasonable time limit, such as the transfer time. As long as he can cooperate with you during the processing period, how to cooperate is his business. Of course, for the owner, if the time is really too late, it is suggested that their husband and wife go to the notary office for notarization, and entrust someone he trusts to handle all the matters that need to be handled on his behalf, and leave all the originals to this person. So they don't have to run back and forth. Remember to clearly write down the matters that need to be handled in the notarial certificate. At present, some departments do not recognize the simple notarial certificate of full power, and prepare corresponding notarial certificates in advance according to the number of originals required by various office departments, preferably 1-2 copies for backup.

In addition, I would like to remind you that there are many banking policies recently. In your loan contract, please consider the following points: What if the loan is insufficient to apply for the quota? Please note that the owner and you should write down the time of "handling" and carefully write down the time of "completion" after preparing all the materials to avoid breach of contract. Make a good contract and negotiate more. I wish you a happy purchase!