To buy a first-hand house, you can apply for a loan directly from the bank or directly through the company's housing provident fund loan. Then do you know how to get a loan for buying a second-hand house? Buying a second-hand house can also be paid in installments through loans, but the way of second-hand housing loans is not the same as that of first-hand housing loans. Second-hand housing loans will be more than first-hand housing loans, because if the house is loaned to the bank, the interest rate of the purchase restriction policy will be higher, so many people choose commercial loans. Let's take a look at the way of buying a house with a second-hand housing loan in Harbin.

1. We need to go through some formalities as required without a second-hand house. First, as a lender, when buying a house, you should make it clear to the intermediary that you need a loan, and ask the intermediary company about the loan process so as to choose the loan scheme that suits you best. Also ask several intermediary companies to choose the one that suits them best and has the lowest cost.

2. After confirming the intention of buying a second-hand house with the buyer, everyone needs to provide the provident fund account number, and the mortgage service company we choose will inquire about the provident fund to determine the loan amount and loan term. It should be noted that if everyone has less money and income, there should be more repayment periods, which can reduce the pressure.

3. Everyone signs a house sales contract with the second-hand house owner. Due to the different requirements of the trading center, everyone needs to sign according to the situation in their own area. This can be used for reference, very simple. Then we have to prepare loan information and review loan qualifications. Generally, the review time is very fast, so don't worry.

4. After the mortgage service company has passed the preliminary examination, it will submit the loan information to the loan bank for review. If the bank also passes, the mortgage service company will arrange for everyone to sign a loan agreement with the bank, notarize the agreement, and collect fees, including housing insurance, so that our procedures can be seen to be good.

After everything is ready, you can go to the housing management office to handle the transfer and mortgage procedures, and give the receipt to the bank, which can accept it. In addition, we must be careful in the process of handling to prevent our rights and interests from being lost. have you finished? To buy a second-hand house, we must first know what the mortgage fees charged by the intermediary companies are, because the intermediary fees charged by different mortgage service companies are different. You can choose some mortgage service companies with high credit and reasonable fees. If you buy a house with a loan, you can also take your assets to the bank for mortgage, and you can buy a house with a mortgage loan.