The application process of second-hand housing loan is as follows: 1. Signing a sales contract: The buyer and the seller sign a house sales contract, in which it is stipulated that the buyer will pay the house price in the form of a second-hand house loan, and the proportion of the down payment and the loan is agreed. At this stage, the buyer should generally check the seller's real estate license, water and electricity records and other documents while looking at the house on the spot; 2. Determination of entrustment relationship: The buyer and the seller print the real estate sales agreement in the real estate trading market in the area where the house is located, and at the same time, the buyer and the seller sign the house collection and payment agreement at the local housing authority site to clarify the entrustment relationship of transaction funds collection and payment; 3. real estate assessment: Due to the particularity of the second-hand house, the buyer needs to find an appraisal company to evaluate the purchased property first, and the bank will take the lower of the transaction price and the appraisal price as the basis for lending. It should be noted that some banks will only accept the appraisal report of the designated appraisal company, while others will not. Therefore, property buyers should consult loan banks before assessment; 4. Apply for loan guarantee: In order to ensure the safety of the loan, the general bank will ask the buyer to provide guarantee. The guarantor can be a financially capable individual or a professional guarantee company. It should be noted that at present, some banks have launched unsecured second-hand housing loans. Therefore, property buyers should be clear about the bank's collection of guarantee fees before handling mortgage loans; 5. Down payment: The buyer will deposit the down payment into the loan bank with the payment collection Agreement on Housing, and obtain the deposit certificate of the down payment. At the same time, he can apply for a second-hand house loan from the bank and submit all loan application materials; 6. Sign a loan contract: the bank will review the application materials submitted by the buyers. After the approval, the buyer can sign a loan contract with the bank, and the bank will inform the seller that it can lend money; 7. Transfer procedures: the buyer and the seller bring the original and photocopy of the real estate license, the sales contract and photocopy, and the ID cards of the buyer and the seller to the real estate bureau for transfer procedures, and the old land certificate to the land bureau for replacement procedures; 8. Handling mortgage procedures: The buyer goes to the real estate bureau to handle the mortgage procedures of the property with real estate license, land certificate transfer receipt, certified sales contract, deed tax invoice and other materials; 9. Bank loan: after the bank receives the mortgage certificate, the bank lends money, and after the loan is issued, the buyer goes to the housing management department to get a new real estate license; 10. Repayment on time: the buyer repays the loan on time according to the agreed repayment method. After paying off all the loans, the buyers go through the mortgage registration cancellation procedures, and the second-hand housing mortgage process is completed. Legal basis: Article 4 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that if a legally acquired house ownership is mortgaged, the land use right within the occupied area of the house must be mortgaged at the same time. Article 5 The mortgage of real estate shall follow the principles of voluntariness, mutual benefit, fairness, honesty and credibility. Real estate mortgage set according to law is protected by state laws.

Second, the second-hand housing loan process

Hello:

1. If you want to buy a house, first, you can recommend a suitable house through an intermediary. However, a corresponding agency fee should also be charged.

Then you look around the area where you want to live and find the house you want to buy.

2. Buying a second-hand house: The most important thing is to verify the identity of the property owner and whether it is consistent with the house certificate. Does the house have full business tax within 5 years? What other housing facilities can be written in the contract when signing the sales contract?

3. Commercial loan: the first set-30% down payment and 70% loan.

4. Process: ID card, household registration book, single certificate/marriage certificate, income certificate of the loan bank, and paid 1 year social security certificate of foreign accounts are required.

The bank will review your credit rating and other information, and after confirming that you can borrow money, go to the real estate exchange for tax verification, transfer, mortgage and other procedures, and finally send the real estate license and other documents to the bank for mortgage and bank loans.

After that, it can be repaid normally every month.

Blessing ~

3. What are the loan processes of second-hand housing provident fund in Shanghai?

Now more and more families tend to buy second-hand houses, but I wonder if I can use provident fund loans to buy second-hand houses? Two people. Now, taking Shanghai as an example, Bian Xiao will give you a detailed introduction, hoping to help you.

Shanghai second-hand housing provident fund loan process

1. Bring relevant materials to the local provident fund management center to apply. If you meet the housing provident fund loan conditions, buy a payment agreement.

2. The applicant entrusts the housing appraisal institution to appraise the transferred house.

3. The buyer and the seller go through the formalities of clearing the house and sign the house sales contract.

4. Fill in the personal housing provident fund loan application form.

5. Preliminary examination, review and approval of the application for provident fund management.

6. Sign a loan contract and handle insurance, notarization and other related procedures.

7. Go through the mortgage registration formalities and submit the acceptance notice.

8、

9. Repay the principal and interest on a monthly basis as agreed in the contract.

Two, apply for second-hand housing provident fund loans to meet the conditions.

1, with urban permanent residence;

2, apply for a loan for 6 consecutive months before the normal deposit of housing provident fund;

3. The borrower has no outstanding housing provident fund debt. The loan amount shall not be higher than the multiple of the balance stored in the respective housing provident fund accounts of the borrower, spouse and borrower, and shall not be higher than the maximum loan amount.

4. The applicant has a stable job and income and a good credit record.

5. The applicant can provide a second-hand housing purchase contract and can provide a down payment of not less than 30%.

Conclusion: The relevant knowledge about the provident fund loan for purchasing second-hand houses is introduced here. Provident fund can play a very good role in buying a house, but it depends on whether it meets the loan conditions. Only when you are satisfied can you borrow money smoothly and be indispensable.

Four, provident fund to buy second-hand housing process detailed explanation 202 1?

Detailed explanation of second-hand housing provident fund loan process:

Handling the second-hand housing provident fund loan is completed according to the following steps:

1, application. Employees who intend to apply for second-hand housing loans shall submit the borrower's (spouse's) salary income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction, and the business personnel shall review and confirm whether the employee's housing provident fund deposit is normal (whether the employee's housing provident fund deposit meets the loan conditions must be finally confirmed when applying for the report) and whether the employee's (spouse's) salary income certificate is true and standardized.

2. guarantee. There are two ways to guarantee the second-hand housing provident fund loan: installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation.

3. review. Submit all loan application materials as required and pass the examination and approval. After passing, notify the bank to sign a loan contract with the borrower and go through the notarization procedures of the contract.

4. Loan. After the borrower has gone through all the above procedures, the Center will issue a "Decision on Granting Lending" to the entrusting bank to inform the bank to lend.

5. Repayment. After a series of procedures, the last is the repayment of the buyers, who can repay the bank monthly according to the monthly repayment amount agreed in the loan contract.

To apply for the second-hand housing provident fund, you need to provide the following materials:

1, the salary income of the loan borrower (spouse) and the deposit certificate of housing provident fund;

2. The original and photocopy of the real estate license before the transaction;

3. Evaluation report of the transaction house (collateral);

4. Real estate transfer contract signed by the seller and the borrower;

5, the borrower (spouse) housing provident fund second-hand housing loan application;

6. Valid identification of the borrower (spouse) (ID card, household registration book, marriage certificate or divorce certificate, unmarried certificate, judgment, ruling, etc.). );

7. The household registration certificate of the borrower (spouse);

8. Valid identification of the seller (property owner) (ID card, household registration book, marriage certificate or divorce certificate, unmarried certificate, judgment, ruling, etc.). );

9. Household registration certificate of the seller (property owner).