Second-hand housing loan transaction flow chart

If you need to apply for a personal second-hand housing loan at Bank of China, the application process is as follows:

1. Sign the "Sales and Purchase Contract": The borrower and the house seller sign a "House Sales Contract".

2. Apply for a loan: The buyer and the seller submit the relevant information required by the loan bank, and the buyer fills out the "Second-hand Housing Mortgage Loan Application Form";

3. Real estate evaluation: Bank of China accepts After receiving the borrower's loan application information, it will evaluate the transaction house;

4. Loan approval: Bank of China will approve the loan application and determine the loan amount and term. Personal second-hand housing loan business must adhere to relevant approval principles;

5. Sign a contract: the borrower, lender and guarantor sign a loan contract, and if notarization is required, the contract must be notarized;

6. Handle the real estate transfer and mortgage registration procedures: The lender or a real estate agency approved by the lender will handle the real estate transaction transfer and mortgage registration procedures;

7. Sign the "Loan IOU": the lender receives After the borrower has completed the mortgage property registration and other certificates, the borrower will be notified to go to the Bank of China to sign the "Loan IOU";

8. Loan grant: The lender will transfer the loan to the designated account in accordance with the agreement between the buyer and the seller. Both parties should go to the bank to handle the loan issuance procedures together;

9. Repayment of principal and interest: The borrower will start repayment of principal and interest from the month after the loan is issued.

For further information, please contact the local branch of Bank of China.

The above content is for your reference, please refer to actual business regulations.

Flow chart of home mortgage loan

The specific process of home mortgage loan is as follows:

1. The applicant provides information to the lending institution;

< p>2. Investigate the applicant and estimate the value of the collateral;

3. The lending institution initially reserves the loan amount;

4. Process the entrusted notarization and loan notarization;

5. The lending institution accepts relevant documents from the applicant;

6. Go through the mortgage registration procedures, and the mortgage institution will issue the loan. It is recommended to choose Morlon to apply for a mortgage loan. The unsecured loan can be received in the fastest one day. It can also be applied at the apartment store. The unsecured loan can be processed in the fastest two hours. It is worth choosing.

Submit the required documents. Assess the house. Evaluate based on the location, floor, area, and orientation of the collateral. After the house is appraised, you need to go through the real estate insurance procedures and the corresponding loan approval procedures. After approval, a loan contract and a mortgage contract will be issued with the approval document. Mortgage registration. The borrower takes the real estate certificate and loan contract to the district or county real estate bureau where the property is located to handle the mortgage registration procedures. The agency's fees are borne by the borrower. Borrow money. After the mortgage is registered, the bank can disburse the loan to the borrower's personal savings account.

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Bank loan flow chart for buying second-hand houses

The process of bank loans for second-hand houses:

1. Apply for a loan to the bank and submit loan information;

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2. House appraisal;

3. Bank approval;

4. Pay down payment and handle transfer;

5. Buyer handles property mortgage Registration, insurance procedures, bank loans.

Second-hand housing loans are generally determined based on the borrower's character, occupation, education, repayment ability, and the ability to liquidate the purchased housing (including mortgaged housing).

Loan term: Generally within twenty years, and in principle, the loan maturity date cannot exceed the borrower's age of 65. The loan interest rate shall comply with the regulations of the People's Bank of China. If the legal interest rate is adjusted, if the period is less than one year, the contract interest rate will be applied and interest will not be calculated in installments; if the period is more than one year, the new interest rate will be implemented at the beginning of the next year.

Extended information:

When applying for a second-hand housing loan, the buyer and seller bring together relevant materials and go to the bank. Receive and fill out the second-hand housing personal loan application form. After completing the form, submit the materials to the staff for review.

Bank staff will make a preliminary assessment of the lender's qualifications and loan materials, and give an approximate loan amount and term.

After passing the preliminary review, the bank will contact the designated housing appraisal agency to inspect the house for evaluation. The real estate appraisal agency issues an appraisal report to the bank, and the bank approves the loan amount, term, etc. based on the appraised price of the house and the qualifications of the lender. The approval process usually takes about 5 working days.

After approval, the buyer pays the seller the down payment for the house. Then the buyer, seller and bank staff go to the real estate exchange to handle the transfer of property rights with the proof of down payment, the mortgage application review commitment letter issued by the bank and other materials. Generally, the transfer can be completed on the same day, and the buyer can wait about 20 working days to receive the real estate certificate.

After receiving the real estate certificate, apply for real estate mortgage registration and insurance. Then, after completing the loan issuance procedures, the bank will deposit the house payment into the seller's account, and the buyer will begin to repay the principal and interest on schedule in accordance with the contract.