1. I go to the housing provident fund window with the original ID card of both husband and wife, the original credit report (valid within 2 months) and the seller's immovable property certificate to determine whether it meets the loan conditions.

2. When applying for a loan, both husband and wife need to provide the original ID card, marriage certificate, household registration book, loan repayment card, credit report (valid within 2 months, and settlement certificate is required for loans that have not been settled but have actually been settled), proof of the number of housing units (valid within 2 months, repayment place, purchase place and the area where the loan must be issued), and the seller's materials (original ID card, marriage certificate, household registration book, etc.

3. If the * * * lender is a depositor in a different place, it is required to provide the certificate of deposit in a different place and the deposit details in the last 12 months.

4. After approval, the housing provident fund staff will inform the borrower to receive the loan contract and handle the mortgage registration.

5. The Housing Provident Fund Center will arrange a special person to collect the mortgage certificate from the real estate. If it meets the loan conditions, the loan will be made within three working days.

# Theoretically, as long as the seller agrees to use mortgage loan, the second-hand house with clear property rights can be used as mortgage loan. First, the buyer and the seller sign a sales contract to determine the contract transaction price, down payment amount and payment time; Secondly, the seller prepares the originals and photocopies of husband and wife ID cards, household registration books, marriage certificates, real estate licenses, land certificates or immovable property certificates, and the buyer prepares the originals and photocopies of husband and wife ID cards, household registration books, marriage certificates, income certificates and pre-assessment reports; According to the agreed time, the buyer transfers the down payment to the seller and obtains the transfer receipt. After that, buyers and sellers apply for second-hand housing loans in the bank; Thirdly, after a week or so, after the approval of the bank, the buyers and sellers go to the Housing Authority and the real estate to handle the transfer procedures; Finally, the new owner took the real estate license and the formal evaluation report to the real estate registration center to complete the mortgage, and the bank gave the old owner a loan. # Second-hand housing mortgage loan transaction, the down payment is to be paid to the owner. This is a normal process. Because after you get the loan, the bank will also directly transfer the money to the owner's account. In this way, the down payment loan amount = total house price. After the loan is completed, the house belongs to you, and you pay back the monthly payment of the bank. General process of second-hand housing mortgage loan: 1. The buyer pays the down payment, the house mainly issues a receipt, and the buyer keeps the receipt. 2. Put forward the second-hand house mortgage to the bank. 3. After the bank agrees to the loan, the buyer and the seller go through the transfer formalities at the housing management office. 4. After the transfer is completed, take the house book to the Construction Committee for mortgage registration. 5. The Project Construction Committee issues other warrants and submits bank loans. 6. The loan applicant pays the monthly payment of the bank. Note: You have to go to the bank to find out how much you can borrow for the second-hand house you want to buy. Decide how much down payment you have to pay. Because the down payment loan amount = total house price. In other words, the total house price minus the loan amount is the minimum down payment you have to pay. Pay attention not to overdue repayment during the repayment period, which will leave a bad record in the personal credit information system and have a great impact on future loans. Seriously, banks don't accept loans. # Second-hand housing mortgage loan: 1. The buyer and the seller sign a house sales contract, which stipulates that the buyer will pay the house price, down payment and loan ratio by means of second-hand house loan. At this stage, the buyer generally needs to check the seller's real estate license, water and electricity records and other documents at the same time. Sometimes the seller will ask the buyer to pay a certain deposit; 2. The buyer and the seller should print the real estate sales agreement in the real estate market of the county where the house is located (the agreement should clearly indicate the payment method of the house price, such as the down payment of 10,000 yuan, and the rest of the funds apply for loans, etc. ), at the same time, the buyer and the seller signed the Agreement on Collection and Payment of Private Property Houses at the local Housing Authority site, clarifying the entrustment relationship of collection and payment of transaction funds; 3. Due to the particularity of second-hand houses, buyers need to find an evaluation company to evaluate the purchased property first. The bank will take the lower of the transaction price and the evaluation price as the basis of the loan. It should be noted that some banks will only accept the appraisal report of the designated appraisal company, while others will not. Therefore, property buyers should consult the loan bank before the assessment; In order to ensure the safety of the loan, the general bank will ask the buyer to provide a guarantee. The guarantor can be a financially capable individual or a professional guarantee company. It should be noted that some banks have launched unsecured second-hand housing loans, and buyers should be clear about the guarantee fees charged by their banks before handling the mortgage; 5. With the Agreement on Collection and Payment of Private Property, the buyer can deposit the down payment in the loan bank and obtain the deposit certificate of the down payment. At the same time, he can apply for a second-hand housing loan from the bank and submit all the loan application materials; 6. After the approval of the bank, the buyer signs a loan contract with the bank, and the bank informs the seller that it can lend money; 7. The buyer and the seller shall go through the transfer formalities with the real estate bureau with the original and photocopy of the real estate license, the sales contract and the photocopy of the ID card of the buyer and the seller, and the old land certificate shall go through the replacement formalities with the Land Bureau; 8. The buyer goes to the real estate bureau to handle the mortgage formalities of the property with the real estate license, land certificate transfer receipt, certified deed tax invoice of the sales contract and other materials; 9. After the bank receives the mortgage certificate and lends money, the property buyers go to the housing management department to get a new real estate license. 10. The Buyer shall repay the loan on time according to the agreed repayment method. After paying off all the loans, the buyer shall go through the mortgage registration cancellation procedures. # Second-hand housing mortgage loans are the same as new houses. You can give the owner a down payment of110000,40000. You can borrow money from the bank and provide a sales contract. Property ownership certificate and land certificate of the owner. Then go to the bank to go through the mortgage formalities. After the loan is approved, it will be directly deposited in the owner's bank card, and the house will be transferred to your name at this time. Then you pay back the bank money every month. It's just that loan approval may be a little slow. Usually three months. Moreover, the house must be a normal real estate with all kinds of certificates, otherwise it cannot be loaned from the bank. Especially the resettlement houses. The easiest way is to find a reputable real estate agent to entrust. The handling fee is only a few hundred dollars, which saves you the trouble of running back and forth. # Better find an intermediary. The procedures are sales contract, face-to-face bank signing, evaluation, transfer, bank loan renewal, loan release and repayment, almost # You have to apply for a loan first and then pay the down payment. Pay the deposit before applying for a loan, and the bank will pay the down payment after the loan letter is approved, and then handle the transfer. After the transfer, the bank staff will register the mortgage with the voucher, and finally the loan will be directly credited to the bank account reserved by the owner. You must sign your name online. The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!