With the continuous operation of modern capital chain, second-hand housing loan has become one of the important ways of bank mortgage loan, so how to handle second-hand housing mortgage loan? Maybe many friends are not particularly clear about the process. Let's take a look at the relevant knowledge! I hope it will help everyone.

First, prepare materials.

First, determine the loan bank, prepare the loan materials, apply for a loan (the running income of the bank 1 year must meet the conditions and be calculated according to the loan amount), collect and fill in the application form for second-hand housing mortgage loan, and submit it to the relevant staff for review.

Second, evaluation

Real estate appraisal agencies go to the housing management office for appraisal, and then issue appraisal reports to the bank. This stage will take about 3-5 working days, depending on the agreement. The counterparty is required to pay the evaluation fee.

Third, sign a contract.

The two sides signed a second-hand housing mortgage loan contract and notarized the second-hand housing, and began to apply for mortgage registration.

Fourth, bank approval.

The loan bank conducts qualification examination according to the materials submitted by the lender. In line with the conditions, the bank will review the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.

Verb (abbreviation for verb) transfer and lend.

After approval, the buyer pays the down payment of the house. With the down payment certificate, mortgage application issued by the bank and other materials for the transfer of housing property rights. Then go through the mortgage registration and insurance procedures for second-hand houses. After the buyer gets the real estate license, go through the mortgage registration and insurance procedures for real estate. Call the designated account by transfer. In this way, the second-hand housing mortgage loan will be successfully handled, and the buyer will repay the loan on schedule according to the contract.

Conclusion: Before going through the mortgage loan procedures for second-hand houses, you should know your own economic situation and bank policies. There is also a second-hand housing loan amount based on the lower price of the original value and the evaluation value, so it is necessary to consult the bank in advance whether there is a designated evaluation agency before lending.