First, whether to buy a second-hand house first, transfer ownership or loan first

If it is a commercial loan, you need to apply for a loan first, and the bank will approve it before transferring ownership, which is safer.

if it's a provident fund, it's transferred first.

2. Do you want to buy a second-hand house first, or do a loan first?

Loan first, then transfer

Process: check the house in the early stage, sign a contract, and so on-approve the loan-both parties go to the real estate transaction center for tax review-tax 1 is approved-both parties pay taxes and

(at this time, mortgage registration is handled together)-.

In the process of dealing with the second-hand house sales, it is generally necessary to apply for the loan before the transfer formalities. If it is a one-time payment, you need to pay attention to the safety of funds, and try to put the payment of the house payment after the transfer of property rights, or you can apply for the payment of the house payment by escrow to minimize the risk. The buyer and the seller must go through the formalities of property right transfer at the real estate trading place designated by the government, pay all kinds of transaction fees according to state regulations, and get the property right certificate issued by the government. The buyer and the seller can pay the money in one hand and hand over the materials that should be submitted when applying for a loan in the other:

(1) identity documents;

(2 supporting materials;

(3) legal and effective house purchase (construction, overhaul) contract, agreement or (and) other approval documents;

(4) proof of down payment;

(5) loan guarantee materials;

(6) Other documents specified by the lending bank

Extended information:

Procedures

First, apply for personal housing loan with all relevant information.

then determine the loan amount.

next, the insurance will be provided by the bank. Handle the registration and notarization of property right mortgage.

The last thing left is the cancellation of registration after the bank issues loans, the borrower repays monthly and pays off the principal and interest.

after the above procedures and procedures, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage, and understand the related matters of handling loans. I hope that the key of mortgage will open more doors to new houses that belong to you, me and him.

how do buyers handle mortgage loans?

Building mortgage is popular in the United States, and has become a developed country and region. In China, the sales performance of buildings that have been mortgaged in Shanghai, Beijing, Shenzhen and other cities in recent years is obviously better than other buildings. Property buyers handle it.