1. Process 1. Intentional bidders need to pay a certain deposit to the designated unit, the amount is basically around 30,000-50,000 yuan.

2. Process 2. After getting the qualification to bid for a house, you can start to apply for a mortgage from the bank. The bank will review the information and inform the applicant whether the loan is available.

3. Process 3. Notify bidders of the auction transaction information on legal working days, and then assist in handling bank mortgage.

4. Process 4. After receiving the documents, the bank will review the information here and determine the loan term and loan amount after passing.

5. Process 5. After the information is confirmed, the bidder's loan amount will be directly credited to the designated account by the bank.

6. Process 6: Provide confirmation of auction transaction, notice of assistance in execution, etc. And cooperate with the bidder to complete the transfer of property rights in the local housing management department.

Second, can I get a loan to buy a judicial auction house?

The auctioned property can be mortgaged. However, it is generally handled by loan companies or guarantee companies. According to the relevant mortgage policy, mortgage procedures can be handled according to the following procedures:

First register in the stock exchange to participate in the house auction and pay the corresponding deposit (10%);

Secondly, apply for a mortgage loan. The bank will conduct a credit investigation on customers to see if they have bad credit records. If you pass the credit investigation, please issue a credit investigation receipt.

Third, pay the down payment. The deposit shall be paid to the special account of the stock exchange.

Fourth, sign a loan contract. After the auction is successful, you can sign a loan contract with the relevant bank on the basis of the judicial ruling, the transaction voucher of the stock exchange, the down payment voucher and the guarantee contract of the guarantee company.

Fifth, house transfer. After the above procedures are completed, you can go to the local real estate exchange to handle the house transfer procedures.

3. How to give money to creditors after property auction?

The proceeds from the auction are collected and paid by the bank, and the execution proceeds from the deduction are also transferred back to the bank account provided by the creditor through the bank.

If the creditor is an individual, it can be any bank account of the individual.

If the creditor is a company, it must be an account with a designated company name, and it is not allowed to designate or provide other people's bank accounts at will.

Article 102 of the Supreme People's Court's opinions on several issues concerning the application of the Civil Procedure Law of People's Republic of China (PRC) (hereinafter referred to as the "opinions on application") stipulates that people may take property preservation measures for mortgaged property and retained property, but the mortgagee and the lien holder have the priority to be compensated.

Article 40 of the Implementation Regulations stipulates that the people's court may seal up or detain the property that others enjoy mortgage, pledge and lien. The proceeds from the auction or sale of property shall be used to pay off the creditor's rights of the applicant executor after the mortgagee, pledgee or lien holder have priority in compensation.

In addition, Articles 93 and 94 of the Implementation Regulations also stipulate that priority recipients and secured parties may be paid in preference to ordinary creditors.