1. Select the property and sign the purchase contract;
2. Apply for a loan from the bank, but the bank does not accept the second-hand housing loan directly applied by individuals at present, and needs to apply through an intermediary company or a guarantee company first (please consult the local bank for details);
3. To submit relevant information, generally speaking, you need: identity certificate, marital status certificate (marriage certificate, divorce certificate or unmarried certificate), income certificate stamped with the company's financial seal, copy of the business license stamped with the official seal of the company that issued the income certificate, and some banks also need to provide the applicant's education certificate, assets certificate (certificate of deposit, valuable certificate, car, real estate), professional title certificate, etc.
4. The bank will assign a lawyer to talk with the loan applicant, inform him of the relevant rights and obligations, and review the relevant certificates, documents and materials provided by the applicant.
5. The bank assigns an appraiser to evaluate the property purchased by the loan applicant and determine the loan amount (generally lower than the actual transaction price);
6. Lawyers submit legal opinions, appraisers submit appraisal reports, and banks review the applicant's credit according to the above information to determine whether to provide loans and the amount of loans provided;
7. After the bank determines that the loan can be provided, it will issue a loan commitment letter to inform the buyer and the seller to handle the transfer, and the buyer will submit the payment to the seller on the day of transfer or at the time agreed in the contract between the buyer and the seller;
8. After the transfer, the bank will transfer part of the loan to the seller after seeing the seller's title certificate or mortgage registration or other time specified by the bank, and the buyer will start to repay the monthly payment.