1, check the house and sign the purchase contract.

The first step in buying a house is to look at the house, even if it is a loan to buy a house, it needs to go through this step. After the buyer takes a fancy to the house he wants to buy, then the next step is for the buyer and the seller to negotiate the price. Once settled, you can sign a house purchase contract and then go through the loan formalities.

2. Conduct real estate appraisal.

Second-hand houses purchased by loans need to go through real estate assessment, and real estate assessment of second-hand houses is a very important step. Second-hand housing evaluation is mainly to determine the down payment that buyers need to pay. Under normal circumstances, real estate appraisal needs to find an appraisal company, which takes about 5 ~ 7 working days.

3. Apply for a loan from the bank

After the evaluation of second-hand houses, buyers need to apply for loans. There are several ways of second-hand housing loans, either provident fund loans or commercial loans, but if you want to go to the bank for second-hand housing loans, then both buyers and sellers should go to the scene.

Moreover, both parties should bring all the information, mainly personal information when buying a house, and relevant real estate information when selling a house. After filling in the second-hand housing loan application form, the bank will contact the designated real estate appraisal agency to conduct house inspection and evaluation.

4. Bank audit

After the buyer submits the loan application, he needs to wait for the bank to review it. When the buyer submits funds to the bank, the bank will review the information submitted by the buyer. Generally speaking, the bank calculates the loan amount according to the evaluation value of the evaluation agency. Of course, the premise must be that the bank has reviewed your loan qualification and passed it if it meets the conditions.

5. Submit a transfer application

After the loan application comes down, if both the buyer and the down payment are paid, you need to submit an application for transfer. When handling the transfer, the buyer and the seller need to be present at the same time. Buyers and sellers need to apply to the real estate management department with real estate ownership certificate, legal certificate of the parties, transfer contract and other related documents, and declare the transaction price and take the form of acceptance.

6. Apply for real estate license

Before handling the real estate license, buyers need to pay relevant taxes and fees. After paying the property tax, both parties can start to apply for the real estate license. The real estate management department will issue a new property title certificate for the buyers, but both parties need to go to the real estate management department to get the property title certificate with the transfer procedures.

7. Bank loans

Property buyers can go to the bank to apply for real estate mortgage after completing the transfer and getting the real estate license. After the property is mortgaged, the bank will put the money into the account designated by the buyer, usually directly to the seller's account, and repay the mortgage on a monthly basis according to the contract. It should be noted that there may be insurance premiums or handling fees in the process of handling real estate property certificates, which will be different for different banks.

Extended data:

Matters needing attention in second-hand housing transaction:

1. Is the house complete?

The real estate license is the only proof that the owner owns the house. There is a great risk for the buyer not to get the house if he conducts the house transaction without the real estate license. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it. Therefore, it is best to choose a house with real estate license for trading.

2. Is the property right of the house clear?

Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners. If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid.

3. Is the trading room rented?

Some second-hand houses have a material burden when they are transferred, that is, they are also rented by others. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time.

Because China, including most countries, recognizes that "buying and selling does not break the lease", that is to say, the housing sales contract cannot compete with the previous lease contract. This point is ignored by many buyers and intermediary companies in practice, and is also used by many sellers, which leads to more disputes.

4. Is the land situation clear?

Second-hand housing buyers should pay attention to the nature of land use, whether it is allocation or transfer. The allocated land is generally used for free, and the government can recover it for free. Transfer means that the owner pays the land transfer fee, and the buyer enjoys relatively complete rights to the house.

Also pay attention to the service life of the land. If the land use right of a house is only 40 years and the owner has used it for more than ten years, then it is a bit uneconomical for the buyer to measure whether it should be based on the price of commercial housing with the land use right of the same lot for 70 years.

5. Does the municipal planning have an impact?

Some homeowners may be eager to sell their second-hand houses because they know that their houses will be demolished in about 5 to 10 years, or that high-rise houses will be built near their houses, which may affect the municipal planning conditions such as lighting and price. As a buyer, you should fully understand the details when buying.

Baidu encyclopedia-second-hand house mortgage loan