For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.

After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate. After the buyer obtains the ownership certificate of the house and pays off all the house price, and the seller delivers the house and pays off all the property fees, the sales contract of the second-hand house of both parties is fully fulfilled.

The risk of buying a second-hand house: unclear property rights.

Who is the owner and whether the house is mortgaged can be investigated through the trading center. When investigating property rights, you need to know the details, such as the age of the house, and the network information may be inaccurate, but for some husbands' houses, the age of the house is particularly important.

If the house is too old, there will be some problems with the loan. In order to control risks, banks may only lend 60% or less, and the loan period will be shortened, which will test the down payment ability and repayment ability of buyers. Another example is the relocated house, which cannot be listed and traded within three years. Even if the first contract expires, the transfer is risky.