First of all, bring the contract invoice, personal information of the house ownership certificate and related procedures to the premises bureau of the jurisdiction to handle the property certificate. Because it involves loans, there is an extra procedure called redeeming another property right certificate, which is a certificate kept by the bank. When you apply for this certificate, you only need to make an appointment with the relevant staff of the bank. Because this certificate is not something you can handle. After getting it, I will wait for the cancellation of the mortgage after getting the property certificate. Yes, it is very simple to apply for a land certificate, but you can't do it until the real estate license is done. I'll go to the local real estate bureau to consult ~ In addition, this certificate is very heavy for developers.

2.202 1 9 month loan to buy a second-hand house?

202 1 September will pay for buying a second-hand house, but the cycle is long, and it will take two months to review and four months to go out.

3. Can I get a loan for buying a second-hand house?

Second-hand housing can be loaned. When applying for second-hand housing loans, banks will generally evaluate the real estate first, and the evaluation value will generally be lower than its market value. When making a loan, the bank based on the low value between the contract price and the evaluation price, and then multiplied by the loan percentage, which is the maximum loan amount of the real estate. Legal Basis Article 11 To apply for a personal loan, the following conditions shall be met: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

4. Can I get a loan for buying a second-hand house? How to deal with it?

The problem of second-hand housing loan is actually very simple, but the key is whether the seller believes you. Because when you apply for a bank loan, you must first transfer the house to your own name.

The bank has an approval process, which requires you to show the bank flow for more than 6 months. Your work certificate, your marriage certificate with your lover. The seller's real estate license and land certificate.

You can find a large-scale intermediary agent, which will protect you and the seller.

If you have any questions, you can keep asking me questions.