1. I bought someone else’s house and want to transfer his loan to my name. What should I do?

Yes, it can be realized through remortgage. "Remortgage" means that the borrower sells the house as collateral, and with the consent of the lending bank, the buyer of the house continues to repay the seller's undue loan. .

To put it simply, a house that is still under mortgage is sold again, and the buyer of the house continues to repay the seller's mortgage payment.

There are two situations in the second-hand housing market: peer-to-peer remortgage and inter-bank remortgage. Since buyers have different credit standing, loan willingness, monthly payment ability, and house purchase financing arrangements, when remortgaging, buyers can apply for different loan terms, loan amounts, and repayment methods according to their own needs.

In actual operation, remortgage adopts the method of repaying the loan in advance for the seller, so the buyer's loan can be inconsistent with the seller's unpaid loan. Remortgage means that a borrower who has applied for a personal housing mortgage loan with a bank needs to transfer the property to another person before the loan is repaid, and applies to the bank to transfer the property to the transferee, and the transferee of the property will continue to repay the loan or Reapply for a mortgage. The service targets of the remortgage business are:

1) Home buyers who need to purchase properties during the mortgage period or mortgage period;

2) Need to sell properties during the mortgage period or mortgage period House sellers;

3) House buyers who have paid part of the house payment, but lack the ability to continue paying the remaining house payment;

4) Various intermediary companies, property companies and Developer.

2. Can I get a loan to buy a personal second-hand house?

Yes, second-hand houses are basically for individuals. You can apply for commercial loans and provident fund loans. The maximum loan is for house transactions. 70, whichever is the lower of the price and the appraised price,\Personal re-trade housing loans refer to loans issued by China Construction Bank using credit funds to natural persons who purchase various types of housing in the urban secondary housing market in mainland China, commonly known as "second-hand housing loans" ". \Basic provisions. Purpose of loan: used to support individuals purchasing various types of housing in the secondary urban housing market in mainland China. .Loan targets: Chinese citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct who have the right of abode in mainland China, and foreigners with full capacity for civil conduct who have the right of abode in mainland China. .Loan amount: The maximum is 70% of the appraised value or transaction price of the purchased house (whichever is lower). .Loan term: The maximum is 30 years, and shall not exceed the remaining useful life of the purchased house. .Loan interest rate: implemented in accordance with relevant regulations such as the People's Bank of China. .Repayment method: entrusted deduction, counter repayment method. .Repayment method: If the loan term is within 1 year (including 1 year), the repayment method is to pay off the principal and interest in one lump sum; if the loan term is more than 1 year, the equal principal and interest and equal principal repayment methods can be adopted. .Loan guarantee: mortgage, pledge, guarantee and other guarantee methods, one or several guarantee methods can be used at the same time. .Documents that should be submitted when applying for a loan:\(1) Identity document;\(2) Documents proving the borrower's repayment ability;\(3) Legal and valid housing transaction contract or agreement;\(4) Documents proving down payment;\( 5) Loan guarantee materials: the ownership certificate of the house to be purchased and the evaluation report of the house to be purchased issued by an evaluation agency recognized by the loan bank, etc.; (6) A written statement from the owner of the property who agrees to sell it; processing procedures. Loan application: Customers fill in and submit the application form and application materials specified by CCB. .Pre-loan investigation and interview: The bank interviews the borrower and conducts pre-loan investigation, etc. .Loan approval: Banks conduct loan approval. .Sign the contract: After the customer's loan is approved, the customer signs a loan contract with CCB. .Loan disbursement: CCB will disburse loans after meeting the conditions. .Customer repayment: Customers repay on time as agreed. .Loan settlement.

3. Can individuals buy and sell second-hand houses get a loan? How to get a loan? The specific process?

Hello everyone, I am here to share with you the basic process of buying a second-hand house.

1. Choose a suitable housing agency.

This is very important. The quality of the housing agency you choose will directly affect the speed of a series of procedures such as your housing loan and transfer. Choose an intermediary company that is experienced, capable, and well-informed. You can ask your friends and relatives to find out about this. Don’t listen to advertisements that say which intermediary company is more powerful. It is always the big companies that cheat people. Secondly, the agency fees It is also negotiable and you can bargain appropriately.

2. Show the house. After you explain your needs clearly to the real estate consultant, he will list many houses for you in turn and take you to see the real houses one by one. If you encounter a satisfactory house at this time, you can entrust a real estate consultant to help you negotiate the price. Remember, let the real estate consultant help you negotiate first, and then you can meet to negotiate the price. This can keep the price down as much as possible.

3. Sign the deposit intention contract. After you are satisfied with the layout, floor plan, location, and price of the house, you can ask the real estate consultant to make a list for you of the entire loan, transfer, tax, loan, etc. fees for the entire house. How much is the down payment, how much is the handling fee, how much is the agency fee, etc. Then ask the homeowner to meet to discuss specific contract details. For example, detailed prices, tax sharing and distribution of furniture and decoration in the home. For example, the homeowner gets everything, and the buyer pays the taxes. Or both parties can bear it separately. After all three parties have reached an agreement, the next step comes. Note: When signing the contract, Party A's real estate certificate and the deposit given by Party B to Party A to purchase the house are kept in the intermediary company to bind both parties. The intermediary will issue custody procedures.

4. Handle mortgage loan procedures. Both parties need to prepare their own information. Party A (the homeowner) needs copies of the couple’s ID cards, household registers, marriage certificates, real estate certificates and a bank card from the bank where the loan is located (for future payment collection). of). Party B (buyer) needs to prepare a down payment, a copy of the couple’s ID card, a copy of the household register, a copy of the marriage certificate, proof of income, bank statements (some banks do not require it), and a bank card from the bank where the loan is located (monthly repayments will be made in the future). provided), and it is best for Party B and his wife to have no bad credit records. When you are ready, you can go to the bank to sign the loan contract. First of all, Party B needs to transfer the down payment into Party A's account and freeze it by the bank (it may also be Party B's account, each bank has different regulations, but it must be Party A or Party B. If there is a third person, be cautious. If you are cautious, ask Clearly. Normally it is either Party A or Party B, there will be no third party). After the loan contract is signed, you can go home and wait for the bank's approval notice.

5. Go through the transfer procedures. After the bank's approval is passed (you can call or go to the bank to ask if the approval has been passed), you can officially transfer the account. Party B took his ID card, household register, and original marriage certificate to the real estate transaction hall (House Management Bureau) to handle the transaction procedures. The first is to pay the deed tax. The calculation method of the deed tax is different in different places, so I won’t go into it one by one. Secondly, transfer the ownership. After paying the relevant fees, you can go home and wait for the real estate certificate to come out. After the real estate certificate comes out, make a few copies of the real estate certificate. . Then apply for other rights certificates (a procedure for mortgage in the bank), the handling fee is dozens of yuan. After completing the formalities, wait for the loan to be released.

6. Hand over the house. When Party A receives the money from the bank, he can hand over the house-related keys, water card, electricity card, set-top box, natural gas card, access card and a series of things to Party B, and also hand over all expenses before handing over the house (property fees, heating Fees, etc.) are settled. Then go to the bank with the intermediary to unfreeze the down payment (unfreezing the last item of the down payment is very important!!).

The entire house purchase procedure is basically completed. Just a few words, everyone must remember that when buying a second-hand house, you must first apply for a loan and then transfer the property. If you transfer the property first and then take out a loan, it is a mortgage loan. The interest rate of the mortgage loan is high and the cycle is short. Therefore, it is more cost-effective to buy a second-hand house and get a mortgage loan. Of course, except for the provident fund, the buyer who uses the provident fund loan will transfer the property first and then take out the loan, but he must consult beforehand.

That’s all! ! ! Hope it helps everyone.

Thumbs up if it helps! Thanks!

4. Can individuals apply for a loan to purchase a second-hand house without going through an intermediary?

Purchase second-hand houses individually without going through an intermediary

Take China Construction Bank’s “Personal Re-trade Housing Loan” as an example:

1. Information that should be submitted when applying for a loan ：

1. Identity document;

2. Documents proving the borrower’s repayment ability;

3. Legal and valid housing transaction contract or agreement;

4. Down payment certification materials;

5. Loan guarantee materials: the ownership certificate of the proposed house and the evaluation report of the proposed house issued by an evaluation agency recognized by the lending bank, etc.;

6. Written statement that someone agrees to sell the property;

7. Other documents and information required by the loan bank

2. Processing procedures

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1. Loan application: The customer fills out and submits the application materials

2. Pre-loan investigation and interview: CCB interviews the borrower and conducts pre-loan investigation, etc.

3. Loan approval: CCB will approve the loan.

4. Sign a loan contract with CCB.

5. Loan disbursement: CCB will issue the loan after meeting the conditions. /p>

6. Customer repayment: The customer repays the loan on time as agreed.

Extended information:

Evaluation. 70 of the value or transaction price (whichever is lower)

2. Loan term: up to 30 years, and not exceeding the remaining useful life of the house purchased

3. Loan interest rate: in accordance with the relevant regulations of the People's Bank of China.

4. Repayment method (year), the repayment method is due. The repayment method is a one-time repayment of principal and interest; the loan period is 1 interest and equal principal repayment method.

6. Loan guarantee: mortgage, pledge, guarantee, use one or several guarantee methods at the same time.