Under normal circumstances, the loan period of second-hand houses is about 3 months. However, since the centralized management system of real estate loans was introduced in 20021,banks were explicitly required to control the proportion of real estate loans and personal housing mortgage loans. In the case of tight loan quota, banks will give priority to the protection of new houses for cost reasons, and the term of second-hand housing loans will be extended, at least 4 to 5 months. Therefore, second-hand housing can be loaned, but the time is slow.

After the second-hand housing loan is released by the bank, it takes 15 days for the bank to supervise the funds, and it usually takes 15 working days to reach the owner's account. The Housing Authority normally transfers ownership, and it takes 9 working days for the bank to receive the collateral (including 3 working days for the Housing Authority, 3 working days for the bank and 3 working days for both parties to confirm). It takes 3 working days for the bank to lend money and 3 working days for the transfer to the seller's account, totaling *** 15 working days.

Feidong second-hand housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when buying a house or commercial house that the seller has a house title certificate and can trade in the market, and the rest applies to the cooperative organization with the property to be purchased as collateral.

Due to the particularity of second-hand housing, buyers need to find an evaluation company to evaluate the purchased property first. Banks will take the lower of the transaction price and the evaluation price as the basis for lending. It should be noted that some banks will only accept the appraisal report of the designated appraisal company, while others will not. Therefore, you must consult the loan bank before the appraisal.

In the process of buying and selling second-hand houses, the buyer should investigate and review the age of the house. If the buyer needs a loan to purchase a commercial house, the down payment ratio and loan interest rate shall be implemented in accordance with the second-hand housing loan policy.

Sign the contract. Property buyers can apply for second-hand housing loans through online banking. If the seller wants to borrow money, he must first approve the evaluation of the house price with the bank. After the approval is completed, go to the Housing Authority for mortgage registration.

When the bank lends money, you can go through the mortgage formalities.

Banks issue loans. The borrower submits the second-hand property right certificate to the bank counter for mortgage registration, and then goes through the mortgage registration formalities.

The borrower repays the second-hand house loan on time.

The guarantee company will take back the real estate license and sell it after the loan is completed.