The process of second-hand housing loan is: prepare the materials needed for second-hand housing loan, the bank evaluates the house applying for loan, the bank approves, transfers ownership and mortgages.

1. Prepare materials needed for second-hand housing loan.

Before you apply for a loan, you should ask clearly what information and documents both buyers and sellers need, and be sure to prepare them in advance. The first is the application form for mortgage loan, proof of letter of intent for house purchase and other materials.

Then, the buyer should prepare his own proof of income with official seal, and the person he can contact, telephone number, address, ID card, household registration book and marital status should also be submitted to the bank. The seller is also required to provide identity cards, household registration books, certificates of consent to sell, and proof of house property rights.

2. The bank's appraisal of the house applying for loan.

Not all second-hand houses can be loaned, but also related to the age of second-hand houses. Banks don't lend money to houses that are too old. After the required materials are submitted completely, the bank will arrange a time for a professional real estate appraisal agency to evaluate the market price of the house, so as to calculate the loan amount.

3. Bank approval

If your information and documents are provided to the bank, and the house meets the loan conditions, then after the completion of real estate assessment, the bank will review the relevant qualifications of second-hand house buyers, that is, loan applicants, and determine the loan amount accordingly. Approval needs to refer to the lender's income, housing evaluation price and other aspects.

4. Transfer and mortgage

After the loan is approved, the buyer and the seller can transfer the ownership, and then they can mortgage it. After the approval, the buyer can pay the down payment to the owner and issue the down payment certificate. Then the buyer and the seller carry this voucher, and the bank staff carry the approved mortgage application review commitment and other materials to the local real estate exchange for the transfer of house ownership certificates.

Give the certificate of immovable property rights to the bank as collateral, and after the transfer, give the certificate of immovable property registration to the bank, and the bank will use it as collateral. At this time, the bank will truly unify the loan application for second-hand housing. After all the formalities are completed, the bank will divide the deposit accounts of the buyers in turn or at one time according to the amount agreed in the loan contract.

Can a second-hand house be loaned? procedure

Second-hand houses can apply for mortgage loans, and the loan process is as follows:

1. Application: The buyer and the seller take all relevant materials and go to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The staff made a preliminary evaluation of the materials and gave the approximate loan amount and years. Then the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

2. According to the agreed time, the real estate appraisal agency will go to the Property Office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The specific time will depend on the agreed situation, and it can be completed within 3 to 5 working days. The counterparty is required to pay the evaluation fee.

3. Banks should examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and loan term according to the assessed house price and comprehensive lender qualification. The approval process usually takes about 5 working days.

4. After approval, the buyer shall pay the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

5. After obtaining the real estate license, apply for real estate mortgage registration and insurance. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

If your city recognizes both housing and loans, then you live with your parents and then buy a house as a second suite. If your province and city only recognizes loan records, then buying a house is the first set. It depends on the regulations of your province and city.

Extended data:

Second-hand housing loans should pay attention to the following matters:

Note 1: Appraisal price and maximum loan amount.

When banks apply for second-hand housing loans, they will generally evaluate the real estate first, and the evaluation value will generally be lower than its market value. When a bank lends a loan, it is based on the low value between the contract price and the evaluation price, and then multiplied by the loan ratio, which is the maximum loan amount of the property.

Note 2: year of completion and loan term

The completion date on the real estate license is usually easily overlooked by the borrower. In fact, in the process of loan approval, banks usually take the completion date as the main condition that affects the borrower's loan application period. At present, the policy of most banks is "the loan period of house age is ≤35 years". For example, a house was completed in 1994, and the current age of the house is 15, so the longest loan period is 20 years (that is, 35- 15).

Note 3: loan percentage and interest rate

At present, the policies of banks in Beijing on second-hand houses are 20% down payment for the first suite, 30% down payment for the second suite, 40% down payment for the second suite, and the interest rate 10% rises. The policy of provident fund loans is that no matter whether commercial loans have been used before or not, whether they are settled now or not, as long as it is the first time to use provident fund loans, the interest rate is based on the current provident fund down payment of 20% and the loan interest rate of 3.87% for more than five years.

However, if you have used provident fund loans before, you need to settle them when you apply for provident fund loans again (at present, some provinces and cities can apply for secondary provident fund loans without settlement).

Note 4: Selection of repayment method

The repayment methods of banks mainly include equal principal and interest, average capital, biweekly payment and fixed interest rate. Various repayment methods are aimed at different customers. For example, matching principal and interest is suitable for teachers, civil servants and other working-class people with stable income. The average capital is suitable for borrowers who can bear greater repayment pressure in the early stage. For example, the repayment method can save more interest than the former.

Biweekly payment is suitable for borrowers who pay wages every week or at the middle or end of the month. Borrowers should not choose repayment methods that are not suitable for them in order to save interest. In addition, borrowers should also combine their existing repayment ability when applying for loans, and the monthly payment should generally not exceed 50% of family income.

Reference link: Baidu Encyclopedia _ Second-hand Housing Mortgage Loan

How to get a loan for buying a second-hand house?

When buying a second-hand house, if you want a loan, you need to master certain processes. What about buying a second-hand house loan? PChouse, let's take a look.

1. First of all, as a loan, we need to confirm 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 should choose and try to find some companies with low quality and service prices.

2. After confirming the purchase intention with Gao Congying who bought a second-hand house, everyone needs to provide the provident fund account number. The mortgage service company we choose will inquire about the provident fund, and Zheng Jiao will determine the loan amount and loan term. What needs to be explained is that if everyone has less money and income, it will take a few more years to relieve the pressure.

3. Sign 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 their own geographical situation. This can be referenced. It's 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 initial review of the mortgage service company, if everyone's situation basically meets, Qi Cong 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.