Second-hand housing mortgage loan refers to the loan business in which the buyer applies for a loan from the bank with the property traded in the secondary real estate market as collateral to purchase houses, parking spaces, large durable consumer goods, automobiles and house decoration, and then the buyer pays the principal and interest to the bank in installments. (csai.c) The term of second-hand housing loan shall not exceed 30 years at the longest; The loan amount is 70% of the appraised value of the house; The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%. Housing mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings. The applicant of the loan amount only needs to go through the mortgage registration formalities once to realize the maximum mortgage loan. After obtaining the maximum loan amount, the loan can be withdrawn by stages as needed, and the interest calculation time is based on the actual payment time of each payment. This can save a lot of unnecessary interest costs. The loan applicant is a natural person with full capacity for civil conduct, generally requiring 18 to be 65 years old (some banks are 60 years old). In addition, overseas and foreign citizens who have the right of abode in China Mainland can also apply. When applying for a loan, the borrower must meet the following conditions: (1) has a legal and valid residence status; (two) a stable income, good credit, and the ability to repay the principal and interest of the loan on schedule; (3) The purchased house has clear property rights and meets the requirements for entering the secondary real estate market as stipulated by laws and regulations; (4) there is a contract or agreement for the purchase of housing; (5) Agree to use the purchased house and its rights and interests as collateral; (6) Having its own funds of not less than 30% of the purchase price when applying for a loan; Program flow 1. Borrower's pre-loan consultation: fill in the application form for house mortgage and submit the documents or materials required by the loan bank. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. 4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

Can a second-hand house be loaned?

Now the demand for new houses is in short supply. Second-hand houses are becoming more and more popular, and at the same time, they can reduce the pressure of life, but you can't just buy them. Many people question whether second-hand houses can be loaned. Then, the following small series will share with you whether second-hand housing can be loaned and the precautions for second-hand housing mortgage loans.

Second, can second-hand houses be loaned?

Second-hand housing can be loaned according to the following procedures:

1. Application: The buyer and the seller bring relevant information to the bank for processing. The bank will give you a second-hand housing loan application form, fill it out and hand it over to the staff for review. The staff will evaluate your information and give you an approximate loan amount and time. Then make an appointment, and the bank will find real estate related personnel to inspect and evaluate the house.

2. According to the agreed time, the real estate related personnel will evaluate the house. After the evaluation is completed, the bank will give an evaluation report. The time is determined according to the agreed situation, usually 3-5 working days, and the trading party needs to give a certain evaluation fee.

3. The bank shall review the qualifications of the applicant lender, and after it meets the requirements, it shall examine and approve the specific loan amount and time of the lender according to the appraised price of the house. The examination and approval time is generally 5 working days.

4. After approval, the buyer shall pay the down payment to the seller. Both the buyer and the seller and the bank staff need to go to the Housing Authority and bring the down payment certificate, the mortgage application approval documents given by the bank and other materials before they can handle the property transfer. The transfer can be completed on the same day, and the buyer can get the real estate license in about half a month.

5. After obtaining the real estate license, you can register the real estate mortgage and apply for insurance. After the loan issuance formalities are completed, the bank will deposit the house payment into the seller's account, and the buyer will start to repay the house payment according to the contract.

Summary: The above is the second-hand housing loan shared by Bian Xiao, and the related content of second-hand housing mortgage loan, hoping to help everyone. Everything about buying a second-hand house must be done by yourself, so every link in the second-hand house transaction process should be cautious.

What are the procedures for purchasing second-hand housing mortgage loans?

It is much easier to buy a second-hand house than a new one. Now you can buy a second-hand house to live in, but the transaction process of second-hand house is more complicated, especially loans. I believe many people don't understand. Then, let Bian Xiao share with you the process of buying a second-hand house with a loan. You can understand.

First, the process of buying a second-hand house loan

1, prepare materials

After the buyers determine the loan bank, they can start to prepare the loan materials, hand them in, and then apply for a loan. Both parties carry relevant information to the bank. Get the second-hand housing loan application form, fill it out and let the staff check it. The staff will evaluate the information and tell you the approximate loan amount and time.

Step 2 evaluate

Both Fannie Mae and Freddie Mac need to be evaluated, and the real estate appraiser evaluates the house on the spot. After the appraisal, the appraiser will submit the appraisal report to the bank, which will be completed in three to five working days, and then the counterparty will have to pay the corresponding appraisal fee.

3. Bank approval

The bank will review the information provided by the lender and then review the qualifications of the lender. If it meets the requirements, the bank will approve the loan amount and time of the lender according to the assessed price of the house, which usually takes about one week.

4. Transfer and lending

After approval, the buyer needs to pay the down payment to the seller. Bring the down payment certificate, mortgage application related documents given by the bank, etc. Go through the formalities of property transfer. Then go through the formalities of real estate registration and insurance. After the bank lends money, the buyer can obtain the real estate license, and then apply for mortgage registration and insurance. Finally, go through the loan issuance procedures. The bank deposits the loan into the seller's account, and the buyer repays the current period on schedule according to the contract.

Summary: The above is the related content of the loan process of purchasing second-hand houses shared by Bian Xiao, hoping to help everyone. If you also want to buy a second-hand house and need a loan, you can refer to the above article and handle the loan process smoothly.

Second-hand housing mortgage loan process

In daily life, it is very likely that due to work and other reasons, you need a sum of money to turn around, so you will borrow from the bank. Then, do you know the process of second-hand housing mortgage loan? What are the conditions for second-hand housing loan? Now let's have a look.

First, the second-hand housing mortgage loan process

1. The lender shall prepare the loan materials and fill in the Application for House Mortgage;

2. The bank examines the information and application provided by the lender;

3. The lender shall submit the title certificate and insurance policy to the bank;

4. The lender and the bank signed the Housing Mortgage Loan Contract.

5. The bank transfers the loan to the account, and the lender needs to repay it on time every month.

Second, the second-hand housing mortgage loan application conditions

1. The lender needs to submit an ID card, which must be within the validity period.

2. The lender can provide proof of stable income, have a good credit record and have the ability to repay the loan.

3. The information of the house property right used for mortgage must be clear, allowing the house to be listed and traded.

4. The lender may submit the house purchase contract or agreement signed at that time.

Since the second-hand house is used for mortgage and bank loan, you need to agree to give the house to the bank as collateral.

Third, the second-hand housing mortgage loan information

1. Lender's real estate license and work income certificate.

2. The lender's ID card and household registration book, if married, also need to bring the spouse's ID card.

3. The lender's marriage certificate, if not married, needs to go to the local civil affairs bureau to issue a marriage certificate.

4. If the property has been loaned before, you need to hand over the original loan contract to the bank to check the bill.

5. If the bank requests to submit other loan materials or documents, it needs to make other preparations.

Regarding the second-hand housing mortgage loan process, what materials are needed for second-hand housing loans, I will introduce them here first. Are you clear? If you are preparing a second-hand housing mortgage loan, you should prepare the materials in advance to avoid wasting too much time later.

Mortgage loan process of second-hand housing bank

If you apply for personal second-hand housing loan in China Bank, the business process is as follows: 1. Signing a sales contract: the borrower and the seller sign a house sales contract. 2. Apply for a loan: the buyer and the seller submit the required relevant materials to the lender, and the buyer fills in the Application Form for Second-hand Housing Mortgage Loan; 3. real estate assessment: After receiving the loan application materials from the borrower, the bank will evaluate the transaction house; 4. Loan approval: the bank approves the loan application and determines the loan amount and term. Personal second-hand housing loan business must adhere to the relevant approval principles; 5. Signing a contract: the borrower, the lender and the guarantor sign a loan contract, and the contract needs to be notarized; 6. Handling the formalities of real estate transfer and mortgage registration: the lender or the real estate agency recognized by the lender shall handle the formalities of real estate transaction transfer and mortgage registration; 7. Sign the IOU: After receiving the certificate that the borrower has completed the registration of the mortgaged property, the lender will notify the borrower to sign the IOU at the bank; 8. Lending: the lender transfers the loan to the designated account according to the agreement of the buyer and the seller, and then the buyer and the seller go to the bank to handle the loan issuance procedures; 9. Repaying the principal and interest: The borrower shall repay the principal and interest from the month following the loan issuance. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.

How to handle the second-hand housing mortgage loan?

With the continuous operation of modern capital chain, second-hand housing loan has become one of the important ways of bank mortgage loan, so how to handle second-hand housing mortgage loan? Maybe many friends are not particularly clear about the process. Let's take a look at the relevant knowledge! I hope it will help everyone.

First, prepare materials.

First, determine the loan bank, prepare the loan materials, apply for a loan (the running income of the bank 1 year must meet the conditions and be calculated according to the loan amount), collect and fill in the application form for second-hand housing mortgage loan, and submit it to the relevant staff for review.

Second, evaluation

Real estate appraisal agencies go to the housing management office for appraisal, and then issue appraisal reports to the bank. This stage will take about 3-5 working days, depending on the agreement. The counterparty is required to pay the evaluation fee.

Third, sign a contract.

The two sides signed a second-hand housing mortgage loan contract and notarized the second-hand housing, and began to apply for mortgage registration.

Fourth, bank approval.

The loan bank conducts qualification examination according to the materials submitted by the lender. In line with the conditions, the bank will review the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.

Verb (abbreviation for verb) transfer and lend.

After approval, the buyer pays the down payment of the house. With the down payment certificate, mortgage application issued by the bank and other materials for the transfer of housing property rights. Then go through the mortgage registration and insurance procedures for second-hand houses. After the buyer gets the real estate license, go through the mortgage registration and insurance procedures for real estate. Call the designated account by transfer. In this way, the second-hand housing mortgage loan will be successfully handled, and the buyer will repay the loan on schedule according to the contract.

Conclusion: Before going through the mortgage loan procedures for second-hand houses, you should know your own economic situation and bank policies. There is also a second-hand housing loan amount based on the lower price of the original value and the evaluation value, so it is necessary to consult the bank in advance whether there is a designated evaluation agency before lending.

The introduction of second-hand housing mortgage bank loans ends here.