What is the process of prepayment of Postal Savings Bank? What are the steps to close the house?

Different forms of bank loans are different, so we should choose the appropriate loan method according to the form of buying a house. So what is the process of applying for a loan by the Postal Savings Bank? Let's take a look at the process of repaying the loan in advance by the Postal Savings Bank. After buying a house, you have to take it back. So what are the steps to take back the house? These contents are very important little common sense, which is a reference for everyone to understand the housing problem.

What is the process of prepayment of Postal Savings Bank?

1. Make an appointment by telephone, and inform the Postal Savings Bank to apply for prepayment and make an appointment.

2. Apply to the Postal Savings Bank at the designated time and fill out the application form.

3. Postal Savings Bank will examine and approve the application for prepayment.

4. After the approval, bring relevant documents to the bank to start early repayment.

5. Repayment is completed. If it is full repayment, you need to cancel the mortgage of the property.

What are the steps to close the house?

1. The notice of repossession is generally received within the agreed delivery period, and the customer will receive the notice of repossession in advance. It should be noted that in the agreed delivery period, you can choose to repossess the building in advance, but it should be noted that repossession cannot be postponed. In addition, it is suggested that the owner choose to repossess the building in the next few days, not in the peak period, otherwise the repossession process will be too complicated and the delay will be long.

2. On the day of delivery, the owner needs to bring his ID card, the original notice of repossession, the original purchase contract, the purchase bill or bank passbook and other designated materials to the site for house acceptance. Special attention should be paid to three books, one form and one certificate, including housing quality guarantee, housing instruction manual, construction engineering quality certificate, completion acceptance record form and comprehensive acceptance certificate of real estate development and construction projects.

On the day of receiving the key, the developer will issue the key to the new house on the spot. Usually, the most reasonable process of closing a house is to take the key first and then close the house, so that the owner can sign the delivery form after closing the house to ensure that there is no quality problem in the house. Pay attention to avoid taking the key first, so there is no security guarantee for the quality of the house.

4. After the house inspection gets the key, the property management staff of the community will accompany the house inspection. At this time, the owner can test the area, housing quality and decoration quality of the new house.

5. Fill in the house delivery acceptance form. During the acceptance process, the property management personnel will help record the readings of water meters and electric meters. At the same time, the problems found in the acceptance process can also be written into the record form. If the house is accepted successfully, the customer can fill in the "House Delivery Acceptance Sheet" and other documents according to the actual acceptance.

6. See if the building structure conforms to the floor plan. Start to check whether the building structure of the house inspection is consistent with the floor plan you originally chose, and measure the actual size and height of all the spaces in the house to prevent some black-hearted developers from shoddy.

7. Check whether the wall and the ground are cracked and flat. Tap the wall with a small hammer and the ground feels solid or empty. If there are cracks or hollows, the developer's instructions should be indicated.

8. Check the house for leaks. If time permits, you can do a closed water experiment all day to see if there is any leakage in the house, especially in the bathroom. If the owner is here, you can test it at the same time and see the test effect.

9. Look at the roof wall, and see whether the corner line of Yin and Yang between the ceiling and the wall is horizontal, and whether the ceiling is cracked or peeled off.

About the process of repaying loans in advance by the Postal Savings Bank, the above contents are introduced. You can carry out the content of the loan according to the specific process, hoping to have some reference for you to choose the loan. What are the steps to close the house? The above steps need to be known more. Taking a house according to these steps can reduce many problems, and I hope it will help everyone.