Under normal circumstances, the second-hand housing loan will be approved in about 0/0 days.

1. Submit the materials and apply on 1 day. The buyer and the seller bring all relevant materials to the bank, collect and fill in the application form for personal loan of second-hand house, and then submit the materials to the staff for review.

Second, 2-7 days of evaluation. According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank, which can be completed within 3-5 working days.

Three. Bank approval on day 8- 10. Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve 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.

4. Pay the down payment and handle the transfer on 1 1-33. After the approval, the buyer pays the down payment to the seller, and then handles the property right transfer with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials, and then waits for about 20 working days to get the real estate license.

Five, 34-35 days for real estate mortgage registration, insurance procedures, bank loans. After the property buyers receive the real estate license, they will go through the mortgage registration and insurance, and then go through the loan issuance procedures. The bank will deposit the house payment into the seller's account, and the buyer will start to repay the current period on schedule as agreed in the contract.

legal ground

Article 38 of the Interim Measures for Personal Loans: If the borrower fails to provide true and complete information as promised in the contract and fails to use and pay the loan as agreed in the contract, the lender shall investigate its liability for breach of contract according to the provisions of laws and regulations and the loan contract.

How long can the second-hand housing loan come down?

More and more people like to buy second-hand houses. For second-hand houses, there is still a certain gap with first-hand houses, and loans will be different. Let's take a look with Bian Xiao. How long does the second-hand housing loan take? How long can the second-hand housing loan come down?

How long can the second-hand housing loan come down?

Because there is a certain gap between second-hand houses and first-hand houses, there will be different requirements for handling bank loans. How long can the second-hand housing loan come down? Second-hand housing loans will generally come down within 1 month, but this is not certain. Sometimes the bank's capital contraction will cause the bank to lend money for a longer time, depending on the bank you lend money to.

If the loan is normal, the loan will be released within one month. The loan process is as follows:

1. The buyer and the seller go to the bank to sign a loan contract.

The bank will approve it within one week.

3. If it is approved, both parties can go through the transfer formalities at the Housing Authority.

4. Then the Housing Authority will re-apply for a new property right certificate within 4 days.

Take the title certificate to the bank, and the bank will handle the mortgage loan within one week.

6. The general bank will lend money within 5 working days. After the bank lent money, the transaction was over.

How much can I borrow from a second-hand house loan?

1. Second-hand housing loans, we must first evaluate the price and age of the property, which are related to loans. Generally, it is a second-hand house with an age of over 15, and many banks will refuse loans. If there is no second-hand house above 15, 60% of the loan price should be no problem.

2. Second-hand housing loans and loan life are related to personal income. If the debt ratio does not exceed 50%, you can't choose the monthly repayment amount, which means that the monthly income of the buyers is 5000 yuan, so the monthly repayment amount should be within 2500. The amount and duration of the buyer's loan will be determined according to this standard.

Summary of the article: How long can the second-hand housing loan come down? Second-hand houses are different from first-hand houses, and applying for bank loans is different. Generally, the second-hand housing loan will come down within 1 month, but this is uncertain. Sometimes the bank's capital contraction will also lead to a longer time for banks to lend money, which depends on the situation of your borrowing bank.

How long does it take to approve the second-hand housing loan?

Under normal circumstances, it takes about 15 working days.

Second-hand mortgage: dealing with house purchase loan is one of the purchase procedures that many buyers need to face. Most property buyers know little about loans, so they waste their time in handling loans.

The first step: buy a house with clear property rights and choose a real estate transaction agency that can handle mortgage loan business to handle agency matters.

Step 2: The buyer and the seller must provide relevant information. Among them, the materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, proof of marital status, house purchase agreement signed by the buyer and the seller, income certificate of husband and wife (unit income certificate), other property certificates including deposit certificate and securities, and two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house sold, and proof of approval for listing.

Step 3: Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the house purchased. Attorney's fee.

Step 4: The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend.

Step 5: The buyer and the seller go to the real estate transaction management department of the real estate bureau where the house is located to handle the transfer procedures of the ownership of the house.

Step 6: After receiving the sales contract, send it to the bank, and the bank will transfer the money.

Step 7: Go to the Real Estate Bureau for mortgage registration, and the borrower will repay the interest on a monthly basis.

Housing loan:

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Mortgage Baidu encyclopedia

How long can the second-hand housing loan be approved?

1. The approval time for ordinary second-hand housing loans is about one week. If there are other problems or many people involved, it may take 15 days.

2. The audit process includes providing relevant documents, going to the bank to appoint a lawyer to fill in the application form for second-hand housing mortgage, paying relevant fees and the bank's approval. If it is approved, a loan commitment letter will be issued, the buyer and the seller will go through the transfer formalities, receive the deed of sale and other related materials, and send them to the bank for loan.

1. The approval time for ordinary second-hand housing loans is about one week. If there are other problems or many people involved, it may take 15 days.

2. The audit process includes providing relevant documents, going to the bank to appoint a lawyer to fill in the application form for second-hand housing mortgage, paying relevant fees and the bank's approval. If it is approved, a loan commitment letter will be issued, the buyer and the seller will go through the transfer formalities, receive the deed of sale and other related materials, and send them to the bank for loan.

1. The approval time for ordinary second-hand housing loans is about one week. If there are other problems or many people involved, it may take 15 days.

2. The audit process includes providing relevant documents, going to the bank to appoint a lawyer to fill in the application form for second-hand housing mortgage, paying relevant fees and the bank's approval. If it is approved, a loan commitment letter will be issued, the buyer and the seller will go through the transfer formalities, receive the deed of sale and other related materials, and send them to the bank for loan.