1. Can the second-hand house be mortgaged after paying the down payment loan?

Yes, but there are preconditions

1. Have a legal identity;

2. Have a stable economic income, the ability to repay the loan principal and interest, and no bad credit record;

3. There is a legal and effective purchase contract;

4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is less than 1 years, and a down payment of not less than 3% of the total price of the purchased house has been prepared or paid;

5. If a house mortgage loan has been purchased, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 6% of the value of the mortgaged house, and the mortgaged house has obtained the house ownership certificate, and the age of the house is less than 1 years;

6. It can provide effective guarantee recognized by the lending bank;

7. Other conditions stipulated by the lending bank.

second, can't second-hand houses be mortgaged?

second-hand houses can be mortgaged. Second-hand housing mortgage loan refers to the loan business in which the buyer uses the property traded in the secondary real estate market as collateral to apply for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments. Second-hand housing mortgage loan conditions: 1. Have a legal and valid residence status. 2, a stable economic income, good credit, the ability to repay the principal and interest of the loan on schedule. 3. The property right of the purchased house is clear, and it meets the conditions stipulated by laws and regulations for entering the secondary market of real estate. 4, there is a contract or agreement to buy housing. 5. Agree to use the purchased house and its rights and interests as collateral. 6. When applying for a loan, it has its own funds not less than 3% of the purchase price. First, the process of second-hand housing mortgage loan 1. The house that buyers and sellers want to trade has passed the listing approval of the real estate transaction management department (without approval, without this procedure). 2. The purchaser and the seller sign a house sale agreement. 3. Eligible buyers apply to the loan bank for loans and provide relevant certification materials. 4. The buyer and the seller go to the appraisal institution designated or recognized by the loan bank to conduct house appraisal (if the bank thinks that the house price basically conforms to the house value, it may not go through this procedure). 5. The law firm shall verify, investigate and analyze the borrower's credit certification materials and evaluation reports. 6, the loan bank for examination and approval, notify the loan applicant whether to agree to the loan. 7. The buyer and the seller go through the formalities of property right transfer. After the transfer, the borrower goes to the bank to go through the loan formalities. 8. The purchaser signs a second-hand house mortgage loan contract with the loan bank. 9. The Buyer and the Seller shall send the transferred house ownership certificate to the loan bank for mortgage registration. 1. After the loan contract comes into effect, the loan bank will transfer funds according to the loan contract. 11. The borrower repays the loan on a monthly basis. 12. The borrower pays off the loan principal and interest and cancels the mortgage guarantee. Second, what materials are needed for second-hand housing mortgage loan? 1. Real estate license. 2. Identity cards of the obligee and spouse. 3. The household registration book of the obligee and spouse. 4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau). 5. proof of income. 6. If the owner of the real estate license has minor children, please provide a birth certificate. 7. If there is still a bank loan in the property, please provide the original loan contract and the last bank statement. 8. In order to improve the loan pass rate, please provide as many other family property certificates as possible (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). Third, the situation that the real estate mortgage loan cannot be handled (1) The small property house has only the right to use, and there is no ownership given by the real estate license. Banks naturally don't accept mortgage loans. (2) The second-hand housing banks with too long housing age and too small area are harsh on the conditions of second-hand housing mortgage loans, and most of them are limited to housing age and area. Generally, many banks refuse to lend second-hand houses with a room age of more than 2 years and a floor area of less than 5 square meters. (III) Houses for public purposes According to the relevant regulations, public welfare facilities such as schools, kindergartens and hospitals, regardless of whether they belong to institutions, social organizations or individuals, are not allowed to be mortgaged. (4) Can a house with an outstanding loan that has been mortgaged once be mortgaged again? At the time of the first mortgage, the bank already had other rights to the property. The law does not allow two banks to obtain other rights of the same house. So the answer is no. (5) The houses within the scope have been announced in accordance with the law and the real estate included in the scope shall not be mortgaged. (six) if some public houses can not provide the purchase contract or purchase agreement, or can not provide the listing certificate of the central delivery room, they can not make mortgage loans. (7) Buildings under cultural relics protection Buildings under cultural relics protection and other buildings with important commemorative significance shall not be mortgaged. (eight) illegal buildings illegal buildings or temporary buildings can not be used for mortgage. (9) Houses with disputed ownership and houses sealed up, detained, supervised or restricted in other forms according to law shall not be mortgaged. (ten) less than five years of affordable housing for less than five years is not allowed to be listed and traded, and banks can not obtain other rights certificates and can not apply for mortgage loans. In addition, in addition to the above-mentioned properties that cannot be used as mortgage loans, there is another property that is subject to certain restrictions on mortgage loans. That is to say, the house purchased by enjoying the preferential policies of the state cannot be fully mortgaged, and the mortgage amount is limited to the share ratio of the real estate right holder's disposal and income. According to Article 196 of the Civil Code of the People's Republic of China, a loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest. Article 197 A loan contract shall be in written form, except as otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.

Third, can the second-hand house be loaned

Can the second-hand house be bought by mortgage

Due to the housing price of the second-hand house market, but it is impossible for families who want a high price, then the right to buy the second-hand house by mortgage is clear, and the buyer must have repayment ability.

What are the mortgage loan procedures for second-hand houses

1. Looking at the house and signing a house purchase contract: The first step in buying a house is to look at the house selection, even if it is a loan to buy a house, it needs to go through this step. After the buyer takes a fancy to the house he wants to buy, then the next step is to buy and sign a house purchase contract, and then go through the loan process.

2. real estate assessment: It is a very important step to handle the second-hand house purchased by loan. The evaluation of second-hand houses is mainly to determine the down payment that buyers need to pay. Under normal circumstances, real estate assessment needs to find an evaluation company, and this process takes about 5 to 7 working days.

3. Apply for a loan from the bank: after the second-hand house appraisal, the buyer needs to apply for a loan. There are several ways to apply for a second-hand house loan, but if you want to apply for a second-hand house loan from the bank, both the buyer and the seller must go to the site, and both parties must bring their personal information. In addition to selling the house, fill out the application form for a second-hand house loan and go to the real estate appraisal agency to inspect the house for appraisal.

4. Bank review: After submitting the loan application, the buyer needs to wait for the bank review. When the buyer submits the funds to the bank, the bank will review the information submitted by the buyer. Generally speaking, the bank calculates the loan amount according to the evaluation value of the evaluation agency, and the premise is that the bank conditions will definitely pass.

5. Submit the transfer application: After the loan application is made, if the buyer pays the down payment, it is necessary to submit the transfer application. After attending the scene, the buyer and the seller need to apply to the real estate management department with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents, and at the same time, they should handle the order.

6. Handling the real estate license: After handling the taxes and fees related to Sun Na, both parties can start to handle the real estate certificate, and the real estate management department will issue a new property title certificate for the buyers, but both parties should obtain the real estate certificate through the transfer procedures.

7. Bank loan: When the buyer completes the transfer bank to handle the mortgage of the house property, the bank will lend money to the account designated by the buyer, usually directly to the seller's account, and the mortgage will be subject to the insurance premium or handling fee according to the Coriolis chain in the middle of the contract real estate certificate. Fourth, whether the second-hand house you just bought can be used as loan mortgage

It should be impossible, depending on what your local provident fund policy is,