1. The buyer and the seller sign a house sales contract, which stipulates that the buyer pays the house price and the down payment and loan ratio through the second-hand house loan. At this stage, the buyer generally needs to check the seller's house ownership certificate, water and electricity records and other documents at the same time. Sometimes the seller will ask the buyer to pay a certain deposit;

2. The buyer and the seller should print the real estate sales agreement in the real estate market of the county where the house is located (the agreement should clearly indicate the payment method of the house price, such as the down payment of 10,000 yuan, and the rest of the funds apply for loans, etc. ), at the same time, the buyer and the seller signed the Agreement on Collection and Payment of Private Property Houses at the local Housing Authority site, clarifying the entrustment relationship of collection and payment of transaction funds;

3. Because of the particularity of second-hand houses, buyers need to find an evaluation company to evaluate the purchased property first. The bank will take the lower of the transaction price and the evaluation price as the basis for the loan. It should be noted that some banks will only accept the appraisal report of the designated appraisal company, while others do not, so the buyer should consult the loan bank before the appraisal.

Extended data:

Second-hand housing loans are determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors. Specifically, there are several points:

(1) Male's actual age plus loan period is less than 65 years old, female's actual age plus loan period is less than 60 years old, China nationality, unlimited household registration, no criminal or non-performing loan record, and stable income;

(2)/kloc-permanent residence of urban residents aged 0/8 with full capacity for civil conduct or legal and valid identity documents;

(3) If there is a second-hand house sales contract, pay a down payment;

(4) have a stable occupation and legal income, good credit, and the ability to repay the principal and interest on schedule;

(5) When applying for a loan, the purchaser has its own funds not less than 20% of the purchase price;

(6) When the borrower agrees to use the purchased house and its rights and interests as collateral, or the borrower fails to provide the mortgaged (pledged) things in full, a unit or individual recognized by the lender and meeting the specified conditions and having sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint liability;

(7) The purchased second-hand houses have clear property rights and meet the requirements for Shanghai to enter the real estate market;

(8) The purchased house is not within the scope of the demolition announcement;

(9) The price of the purchased house basically conforms to the appraisal price of the lender or its designated real estate appraisal agency.

Baidu encyclopedia-second-hand housing loan