Second-hand housing loan application conditions and procedures: housing conditions: a house with more than five floors, decorated external walls and complete property rights (transferable). The area is limited by the initial loan amount. House age+loan period ≤50 years. Houses, shops, office buildings and private houses with two certificates can be used after 90 years. Conditions of the borrower (lender): at least 18 years old, male under 60 years old, female under 55 years old, with stable economic income (income certificate of this city). The floating population needs a family planning certificate (issued by the family planning department where the household registration is located), and the single person needs a guarantor in Wu Hanyou. The guarantor can be a friend or a relative. The borrower has no bad credit record (no record of overdue repayment in any bank in this city).

Process: The buyer and the seller sign the stock house contract, and both parties are present to sign the contract with the bank and guarantee institution. The bank approves the real estate license, the bank transfers the frozen funds to the seller's account, and the buyer handles the land certificate.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loans mainly have the following three loan forms:

Personal housing entrusted loan is the full name of personal housing guarantee entrusted loan, which refers to the personal housing loan issued by the housing fund management center entrusted by commercial banks with housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.