Hello, the process is as follows:

1. The buyer and seller bring together the application materials and go to the bank to apply.

2. Fill out the second-hand housing personal loan application form and submit it to Harbin Bank for review.

3. Bank staff evaluate and review the materials.

4. The appraisal agency evaluates the value of second-hand houses. After the assessment is completed, the agency issues an assessment report.

5. The bank will approve the loan amount, term, etc. based on the housing evaluation results.

6. After approval, the buyer pays the down payment for the house and goes to the Real Estate Bureau to go through the transfer procedures.

7. The buyer handles property mortgage registration and insurance.

8. The bank transfers the house payment to the seller's account, and the buyer signs a loan contract with the bank and begins performance.

Under normal circumstances, when applying for a mortgage loan for a second-hand house in Harbin, the cycle from the beginning of the loan process to the bank's disbursement is about 2.5 to 3 months. Since most residents hope that the money for the house can be obtained in time after the house is sold, some guarantee companies have reached an agreement with financial institutions. Under the premise that the pre-processing procedures for second-hand housing loans are standardized, the financial institutions only need to rely on the acceptance of the transaction center. This can greatly shorten the loan cycle and the seller can obtain the house payment 12 months in advance.