When buying a second-hand house, you need to apply for a mortgage loan. The first condition is to ask the owner if he is willing to let the customer handle the mortgage loan, because the owner needs to provide some documents in the process of handling (which documents will be presented below), and the house payment needs to be delayed for one month before it can be paid in full. Therefore, whether the owner is willing to apply for a mortgage loan is the basis for a successful transaction of a house. On the premise that the owner agrees to handle the mortgage loan for second-hand houses in Beijing, all procedures are as follows:

Pay attention to the process of second-hand housing mortgage loan;

1. After selecting an ideal house, the applicant can entrust a housing agency to apply for a loan; You can also apply directly to the relevant bank and submit relevant application materials;

2. With the approval of the bank, the handling bank signs a loan contract and a guarantee contract with the borrower and the guarantor, and implements the loan conditions, including repayment methods and loan years. ;

3. The bank handles the loan issuance and fund transfer procedures according to the contract;

4. The borrower shall repay the loan principal and interest on a regular basis according to the repayment method agreed in the loan contract;

5. After all the loans are settled, you can go through the mortgage registration cancellation procedures and own all the property rights of the house.

According to the relevant regulations of China's banks, the loan process of second-hand housing provident fund is as follows:

1, application. The borrower holds a copy of the house purchase contract and the developer's house sales license, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of the relationship between husband and wife) to the real estate credit department of CCB in all districts and counties to apply for housing provident fund loans, and fill out the Application Form for Personal Housing Provident Fund Loans.

2. review. After submitting the application, the loan bank will check whether the borrower meets the loan conditions according to the information provided by the borrower, calculate the loan amount and determine the loan term.

3. Sign a loan contract. After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank.

4. guarantee. There are two ways to guarantee housing provident fund loans, that is, to pledge their own, joint or third-party property or to pledge securities recognized by the lending bank, such as national debt and bank time deposit certificates. The borrower can choose any one according to his actual situation.

5. Go through the mortgage insurance formalities. After the borrower completes the mortgage or pledge formalities in the property right department, it shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for household insurance procedures.

6. Sign the repayment agreement and transfer the money. If repayment is made by withholding savings card, the borrower shall go to the savings outlets of CCB to apply for withholding savings card repayment, and sign a withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the unit shall sign an agreement with the loan bank.

7. Bank transfer. The borrower shall go to the loan bank to handle the payment formalities according to the time agreed with the loan bank, and the loan bank will transfer the money to the selling unit; The borrower shall withdraw the loan for repair and construction as agreed in the loan contract.