Hello, usually the loan contract can be approved within two to four weeks. There are many factors that affect the approval time of second-hand housing loans, which should be comprehensively evaluated: different banks have different loan approval processes, so the loan approval time will be different, and the loan method will also have an impact. For example, pure commercial loans are generally faster than portfolio loans; In addition, every year in1February, under normal circumstances, the loan approval time will be longer than usual.

What is the second-hand housing loan process in Guangzhou?

Generally speaking, the basic process of Guangzhou second-hand housing loan application is:

The first step: first find the house you want to buy, but the house must have clear property rights (the house ownership certificate has been handled) and meet the conditions stipulated by the government for entering the real estate market.

Step 2: Select the real estate transaction institution designated by the bank that can handle mortgage loan business (such as the real estate agent of Quanzhou Real Estate Transaction Management Office), complete the real estate value appraisal in this institution and pay the real estate appraisal fee.

Step 3: When applying for a second-hand housing mortgage loan, you should fill in the loan application form and submit the following materials to the loan bank:

1) Identity certificate (resident ID card, household registration book or other valid residence certificate), education certificate and marital status certificate;

2) proof of economic income and other property certificates, including deposit certificates and securities, can be provided selectively; The more comprehensive the above certification materials, the higher the score of the bank in the loan evaluation, and the better the conditions for enjoying the loan amount and time;

3) The house purchase agreement signed by the buyer and the seller;

4) Proof of agreeing to mortgage the purchased house;

(5) Having its own funds not less than 30% of the purchase price;

6) Other documents or materials required by the lending bank. The Seller shall provide the following information:

1) Identity certificate and photocopy of the seller (including the owner of * * *) and proof of marital status;

2) The written document of the owner of the house agreeing to sell;

3. The house ownership certificate and a copy of the house sold;

4) If the house has been rented, the certificate of the lessee's consent to the sale shall be provided;

5) Proof that the house sold meets the conditions for listing and sale. Step 4: The bank will review the authenticity, legality and compliance of the information sent by the buyer and the seller and the credit standing of the borrower. After the approval, a loan commitment letter will be issued to the buyers, and the bank will indicate the mortgage loan for several years.

Step 5: The buyer deposits the down payment of the house into the account of the real estate transaction institution designated by the bank, and the bank freezes it. After the down payment is delivered and the loan commitment letter is signed, the seller goes to Quanzhou Real Estate Transaction Management Office to handle the house transaction procedures.

Step 6: After the house transaction procedures and the new real estate license are completed, the buyer signs a loan contract with the loan bank and goes through the mortgage, insurance and other related guarantee procedures. Step 7: the loan contract comes into effect, the funds are transferred to the account designated by the buyer, and then the buyer delivers the loan and the down payment to the seller together.

Guangzhou second-hand housing loan new deal

Second-hand housing mortgage loan process:

1. The buyer and the seller bring all relevant materials, then apply for a loan at the bank and fill out the application form.

2. The real estate appraisal agency evaluates the houses traded.

3, the bank for loan approval, according to the housing evaluation results and other information on the loan amount, duration and other aspects of approval.

4. After approval, the buyer pays the down payment, goes through the transfer formalities and signs the loan contract.

5, mortgage registration, insurance and other procedures, bank lending.

Second-hand housing mortgage loans generally take 25 to 30 working days to complete.

Second-hand housing mortgage loans should pay attention to:

1. Pay attention to whether there is a property right certificate when buying a second-hand house. If you don't do this, you can't get a loan.

For people with high income, you can choose fixed interest, because you can't accept the impact of future interest rate hikes. However, if the job is stable and the income is not high, it is recommended to choose floating interest rate.

3. When making a loan, the bank will ask the borrower to show proof of income, and if it meets the requirements, the bank will give approval.

What is the second-hand housing transaction process loan in Guangzhou?

Second-hand housing loan process

One: After the buyer and the seller sign a house purchase contract and pay the down payment, they apply for a loan in the bank. Fill in the loan application form (if married, both husband and wife are invited to come together), and the center staff will issue a loan commitment letter after approval, which will serve as the basis for the buyers to handle the loan procedures.

2. To receive the receipt of the loan payment voucher of the loan contract with the original ID card, the required process is: acceptance counter (accepting loan application)-safe (handling insurance)-signature counter (signing loan contract)-notarization counter (handling contract notarization)-signature counter (receiving loan contract).

Three. After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign a loan contract and mortgage contract with the bank with the above information, loan commitment letter, savings passbook and savings card of CCB to be used for repayment, CCB credit card and insurance policy, and go through notarization procedures (if the buyer is married, both husband and wife need to come together). If the husband and wife or one of them can't come to sign the contract in person, it is necessary to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust. In fact, handling second-hand housing loans is largely a procedural process. Banks have clear regulations on the process of second-hand housing loans, and buyers can handle them according to the requirements of banks. However, there is no guarantee that banks will not harm the interests of buyers in the process of handling second-hand housing loans, such as adding some unreasonable terms to the loan contract. Therefore, property buyers can consult lawyers when handling second-hand housing loans, and they will ask you for the most favorable opinions.

I hope I can help you.