1. First-hand houses can apply for mortgage loans directly. With the mortgage contract and your down payment certificate, plus your ID card, household registration book, marriage certificate/unmarried certificate, you can apply for a mortgage. Usually, the developer will provide a phased guarantee until your real estate license is issued and the mortgage is done.

2. If it is a house that is repaying the loan, the bank will not lend you any more on the basis of the purchase contract. You need to settle the loan from the last bank, take out the real estate license, and then apply for a loan from another bank (or the original bank). Note that mortgage loans require proof of the use of funds, and you can buy a house, decorate it, buy a car, etc.

3. The applicant and the development company negotiate to cancel the filing and re-sign the contract, so that even if they buy a first-hand house, they can make a down payment of 30%. However, if the developer's big house property certificate is completed, it will be more difficult to cancel the record.

4. If you buy a first-hand house and want to sell it before the real estate license is issued, you need a guarantee company to guarantee it because your real estate license has not been issued. Even with the guarantee of the guarantee company, this kind of loan is still difficult to issue, and banks usually will not accept it.

What should I pay attention to when lending?

1, find out the parties in the contract. In the process of buying and selling new houses, the signing of the contract involves two parties: one is the buyer and the other is the developer. The real estate buyer, that is, the "buyer" in the purchase contract, will become the owner recorded in the real estate license and need to pay the house price; Once the contract is violated, it shall be liable for breach of contract.

2. Verify the condition of the house. When you look at the house, you can understand it from the following aspects: housing construction status, housing community status and housing rights. The verification of these situations will help you control the actual cost and risk of the transaction; Liability for breach of contract.

3. Clear the liability for breach of contract. Clear and strict liability for breach of contract with the seller is the guarantee for both parties to fulfill the second-hand housing sales contract in good faith. In practice, small down payment punishment or simple "the breaching party should bear the losses of the observant party" lacks practical effect.