Specifically, banks should be consulted to handle personal housing loan business. If the application materials you submit are complete, it will take about 15 working days to approve. Because it involves evaluation, mortgage registration and other links, each customer's situation will be different. The specific lending time can be directly confirmed by contacting the handling outlets or loan account managers. Usually in March or so, it will be slower at the end of the year.

2. What is the process of Wuxi loan to buy a second-hand house?

Look after the house, pay the deposit, sign the contract, give the down payment, and sign online (online filing means that this house cannot be bought or sold). The seller repays the loan, cancels other warrants, and the buyer handles the loan and transfers the customer's loan to the seller's account.

3. What is the process of Wuxi loan to buy a second-hand house?

You sign the contract with the seller-pay the deposit-both parties transfer to the real estate center-get the certificate (pay the deed tax) three days later-both parties go to the bank to go through the relevant formalities (notarization fee and information fee)-bank evaluation (evaluation fee)-sign the contract with the bank according to the evaluation price-go through the mortgage registration-get the certificate from the bank-lend money.

The fees vary from place to place, unlike banks. You can compare it more. It is recommended to find a big bank with good service and fast lending!

4. What is the loan process for the sale of second-hand houses?

Second-hand housing loan process is as follows:

1. The buyer and the seller sign a house sales contract, clearly stipulating that the buyer will pay the house price, down payment and loan ratio by means of second-hand house loan.

2. The Buyer and the Seller print the Property Purchase and Sales Agreement in the real estate market in the area where the house is located (the agreement shall clearly indicate the payment method of the house price, such as applying for a loan of RMB 10,000 as the down payment and the rest funds);

3. The buyer shall deposit the down payment into the loan bank with the Agreement on Collection and Remittance of Private Property Houses, and obtain the deposit certificate of the down payment. At the same time, he may apply for a second-hand house loan from the bank and submit all loan application materials;

4. After the approval of the bank, the buyer signs a loan contract with the bank, and the bank informs the seller that it can lend money;

5. The buyer and the seller bring the original and photocopy of the real estate license, the sales contract and photocopy, and the ID cards of the buyer and the seller to the real estate bureau for transfer, and the old land certificate to the land bureau for replacement;

6. The buyer goes to the real estate bureau to handle the mortgage formalities of the property with the real estate license, land certificate transfer receipt, certified sales contract, deed tax invoice and other materials;

7. After receiving the mortgage certificate, the bank will issue the loan. After the loan is issued, the buyers will get a new property certificate from the housing management department.