How to handle the second-hand housing transaction loan?
1, buying a second-hand house needs to go through some basic procedures. First, as a loan, we need to determine the mortgage service company with the intermediary before handling the loan, and ask the mortgage service company for loan consultation to determine the loan plan. At this time, we have to choose and try to find some companies with low quality and service prices.
2. After confirming the intention of buying a second-hand house with the buyer, everyone needs to provide the provident fund account number, and the mortgage service company we choose will inquire about the provident fund to determine the loan amount and loan term. It should be noted that if everyone has less money and income, there should be more repayment periods, which can reduce the pressure.
3. Everyone signs a house sales contract with the second-hand house owner. Due to the different requirements of the trading center, everyone needs to sign according to the situation in their own area. This can be used for reference, very simple. Then we have to prepare loan information and review loan qualifications. Generally, the review time is very fast, so don't worry.
4. After the mortgage service company has passed the preliminary examination, it will submit the loan information to the loan bank for review. If the bank also passes, the mortgage service company will arrange for everyone to sign a loan agreement with the bank, notarize the agreement, and collect fees, including housing insurance, so that our procedures can be seen to be good.
After everything is ready, everyone can go to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and hand over the mortgage receipt to the loan bank through the mortgage service company, which will handle it. When handling the transfer, you must be careful and pay attention to the specific situation of your house.
6. As a lender, after each person's real estate license and other rights certificates are issued, the mortgage service company will hand over the copies of each person's real estate license and other rights certificates to the bank in accordance with the regulations. After the bank we loan receives each person's real estate license and other rights certificates, the mortgage service company will pay the loan amount to everyone, so the whole procedure is basically over.
How to borrow money to buy a second-hand house?
1. After buying a second-hand house and signing a second-hand house sales contract, you can apply for a loan from the bank. Bank loans must first be evaluated by an evaluation company recognized by the bank.
2. Buying a second-hand house needs to sign a contract online at the Housing Construction Committee. Cities that restrict purchases need to do qualification review and housing verification in advance, and then you can sign online.
3. After the online signing and evaluation report come out, you can go to the bank to apply for a bank face-to-face signing, and wait for the bank to approve the loan after the face-to-face signing.
After the bank approves the loan, it can pay taxes and transfer the ownership.
If you buy a second-hand house, you should pay attention to the specific loan handling matters. You should pay attention to preparing your personal data to apply, and you can get the loan after approval. The above is an introduction about how to apply for loans and how to buy second-hand houses in second-hand housing transactions. Friends who have processing needs can refer to it.