1. After the buyer and the seller sign the house purchase contract and pay the down payment, they apply for a loan in the bank.
2. Receive the receipt of the loan payment voucher of the loan contract with the original ID card.
3. After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign a loan contract with the bank with the information and loan commitment letter and go through the notarization procedures. It should be noted that if the buyer is married, both husband and wife need to come together.
Second-hand housing loan preparation materials:
1. Original and photocopy of ID card (two copies to the buyer; One for the buyer)
2. Original and photocopy of the household registration book (two copies for the buyer; One for the buyer)
3. The original and photocopy of the marriage certificate (two copies to the buyer; Note: Marriage certificate (marriage certificate, divorce certificate, court judgment and single certificate are issued by the civil affairs department).
4. proof of salary (stamped with the official seal of the company) and personal bank statement (for six consecutive months). The bank has a sample of the salary certificate form, which can be obtained from the loan bank. )
5. Appraisal report signed by the buyer and the seller issued by the real estate transaction department.
7. The bank card of the buyer and the seller in the loan bank and its copy. There is also the original and photocopy of the down payment transaction record (it is best to transfer the down payment in the bank).
Extended data
1. The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; ?
2. Eligible buyers apply for loans from loan banks and provide relevant certification materials;
3. The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal;
4. The law firm shall identify, investigate and analyze the borrower's credit certification materials and evaluation reports, and issue legal opinions; ?
5, after the approval of the loan bank, notify the loan applicant whether to agree to the loan;
6. The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities;
7. The purchaser signs a second-hand housing mortgage loan contract with the loan bank; ?
8. The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration;
9. After the loan contract comes into effect, the loan bank transfers funds according to the loan contract; ?
10. The borrower repays the loan monthly;
1 1. The borrower pays off the loan principal and interest and cancels the mortgage guarantee.
Reference source Baidu Encyclopedia-Second home loan