1. I would like to ask what is the second-hand housing loan process in Nanjing?

Hello, you need to provide proof of income, bank losses, etc. Generally, the payment can be made within 2 days

2. What is the process of buying a second-hand house with a commercial loan in Nanjing?

The process of buying a second-hand house with a commercial loan in Nanjing is divided into 6 steps:

1. Submit an application and prepare for the interview. Both the buyer and the seller bring relevant materials and go to the bank

2. The bank evaluates the house for loan application

3. The bank approves the loan applicant's qualifications

4. Tax payment and transfer

5 , Submit the property ownership certificate to the bank for mortgage registration

6. Bank loan

#First you apply for a loan to the bank, and then the bank reviews your information. After passing, an appraisal agency is designated. You go to the appraisal agency to evaluate how much your house is worth, and submit the appraisal report issued by the appraisal agency to the bank. The bank will then give you a loan amount based on a comprehensive assessment of the value of your house and your personal loan qualifications. Then you prepare the relevant information and submit it to the bank. The bank will open an account for you, then transfer the money to the account and transfer it to the seller in person.

#Nanjing commercial loan to buy second-hand house process is as follows, there are 12 steps in total, I hope it can help you:

The above content is for reference only, I hope it can be helpful you. Thank you for your support of Shangban.com and wish you a happy home purchase!

3. What is the process for second-hand housing loans in Nanjing? Urgent!

Loan process: 1. You need to issue a proof of income 2. If you are applying for a provident fund loan, you must have Provident fund deposit slip 3. If you borrow a lot, you need to sell bank statements

4. How long does it take to issue a second-hand housing loan in Nanjing?

Buying a house loan generally takes about 20 working days, and second-hand houses take a little longer. The specific lending situation still depends on the situation of each bank. Because you have to go through the process of loan application, bank investigation, bank review, bank approval, contract signing, mortgage (pledge) registration, loan issuance, loan payment and other processes. House purchase loan process

1. Relevant information for application processing. Identity cards and household registers of residents of this city; in addition to ID cards and household registers, non-residents of this city also need to provide their household registration certificate or temporary residence permit provided by the household registration management department of their original location. Passports for overseas residents; underage residents need to provide their birth certificate. certificate.

2. After accepting the loan application, the pre-loan manager will conduct a true review of the completeness, authenticity, validity and legality of the "Application Form" submitted by the loan applicant and the required information. investigation. Through pre-loan investigation, the bank will prepare applicants for approval who meet the loan conditions.

3. Under normal circumstances, due to the relatively long mortgage loan period, banks require home buyers to apply for property insurance in order to prevent loan risks.

4. After investigation, review, and approval, the loan contract is signed. After the bank has completed the registration and notarization procedures, it will notify the applicant to pick up the contract and sign the "Housing Mortgage Loan Contract".

5. Buyers and sellers should go to the Housing Authority to handle the transfer of property rights. Information provided: ID cards of the buyer and seller, real estate certificates, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, a transaction evaluation report and copies of the information are required.

6. After completing the transfer of property rights, the bank will process the mortgage, and you will receive the other warrants 7 days after the mortgage is processed.

7. The trading center produces the certificate, the bank obtains other certificates of rights, and the bank lends money. After the bank provides the loan, it must provide the bank with the borrower's tax certificate and a copy of the real estate sales contract. The intermediary agency also needs to stamp its official seal on the second-hand housing mortgage transfer confirmation.