Second-hand home mortgage loans require home buyers to only pay a certain percentage of the down payment themselves, and the rest can be used as a mortgage on the property they want to purchase. This is a good thing for most home buyers. Naturally, it became the first choice. So, what information is required for a mortgage loan? How should this be done? Let’s take a look with the editor now.

1. What information do you need to prepare for a second-hand housing mortgage loan?

1. The borrower’s legal and valid identity document;

2. The borrower’s economic income certificate or professional certificate;

3. The borrower’s household registration book ;

4. Borrowers who have a spouse must provide proof of marital relationship;

5. If there is a partner with the borrower, a clear certificate signed by both parties of the borrower must be provided. *Written commitment with repayment responsibility;

6. Property rights certificate of the second-hand house purchased;

7. "House Sales Contract" signed with the seller, and the seller The transfer account number provided by the tenant;

8. If the mortgage needs to be evaluated, a mortgage evaluation report must be issued by an evaluation agency recognized by the lender;

9. House property rights ***Written authorization document from someone agreeing to sell the house;

10. Other documents or information required by the lender.

2. How to apply for a second-hand housing mortgage loan?

1. Determine the mortgage service company

Before applying for a loan, the borrower first needs to confirm the mortgage service company with the intermediary, provide loan consultation to the mortgage service company, and determine the loan plan.

2. Inquiry of provident fund

After confirming the intention to purchase a house with the seller, the borrower provides the provident fund account number, and the mortgage service company conducts provident fund inquiry to determine the loan amount and loan period.

3. Sign a house sales contract

Both parties to the transaction sign a house sales contract, and after signing the contract, go to the trading center in the area to handle the house transfer procedures.

4. Review loan qualifications

The borrower shall prepare loan information in accordance with the bank's requirements. Some houses will need to be evaluated by a designated appraisal company, and a preliminary review will be conducted by a mortgage service company.

5. Sign a loan agreement

The mortgage service company will submit the loan information after the preliminary review to the lending bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank. Notarize the agreement and collect fees at the same time, including house insurance premiums, etc.

6. Go through the house transfer and mortgage procedures

The borrower goes to the trading center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the mortgage service company for the loan. bank.

7. Apply for the real estate certificate and mortgage certificate

After the lender’s real estate certificate and other certificates of rights are issued, the mortgage service company will provide a copy of the real estate certificate and the original certificate of other rights Pay it to the bank.

8. Bank lending

After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.

The above is the relevant knowledge about mortgage loans that the editor has compiled for you. I hope it can help you.

(The above answer was published on 2015-11-16, please refer to the actual relevant current house purchase policies)

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