I bought a second-hand house and the real estate license has been transferred. The real estate license was taken to the bank for mortgage by the intermediary. It's been two weeks now, and I haven't been asked to sign the IOU. According to the description, it may be that the intermediary company is lazy, or there are problems with bank procedures. Because the mortgage is not done well, the bank will not lend money. The approval has been passed, so the real estate license has been transferred, and the rest is simply mortgaged and waiting for the loan. The loan time will generally not exceed 5 working days.

It is suggested to urge the intermediary company or go directly to the bank loan department to inquire whether to mortgage.

Extended data

Steps of buying and selling second-hand houses

1. Evaluate the price and the maximum loan amount.

The principle adopted by the second-hand housing loan bank is to obtain the contract price and the evaluation price at the time of loan, and the lowest value between them multiplied by the loan ratio is the maximum loan amount of the property.

2. Year of completion and loan term

In the process of bank loan approval, the completion year on the real estate license is usually regarded as the main condition that affects the borrower's loan application period. The policy of some banks is "house age+loan period ≤30 years".

3. Selection of loan banks

The service characteristics of commercial banks are different, and the types of loans are also different. If borrowers choose common mortgage products, they need to choose according to the number of bank outlets, the convenience of repayment, the bank where wages are paid and other factors.

4. The choice of repayment method

Bank repayment methods are mainly divided into two ways: equal principal and interest repayment method and average capital. The former is suitable for teachers, civil servants and other working-class people with stable income; The latter is suitable for lenders who can bear greater repayment pressure in the early stage.

5. Proof of income and repayment ability

The income certificate is generally the income status certificate issued by the borrower's unit. If the applicant is married, and one party's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. In addition, large deposits, bonds and real estate can also be used as proof of income.

6. Loan percentage and interest rate

The bank has specific provisions on the down payment ratio and loan interest rate for the first home, and the down payment ratio and loan interest rate for the second home.

7. Relevant information of the borrower himself.

Personal credit directly affects the bank's evaluation of the borrower's repayment ability. Credit files mainly include: credit cards, real estate mortgage loans and other types of loans.

Baidu encyclopedia-second-hand house