First, the second-hand housing loan process of CCB: Take Apple 12 and ios 14 versions as examples;
1 The borrower shall submit the required application form and related application materials to CCB, including the down payment certificate, identity certificate, income certificate, financial certificate, etc.
CCB invited the borrower for an interview and conducted a pre-loan investigation on the borrower.
The Construction Bank shall examine the materials submitted by the borrower, and after the examination and approval, the borrower shall sign a loan contract with the Construction Bank.
Subsequently, CCB issued a loan to the borrower, and the borrower needed to repay the loan as agreed.
Second, the second-hand housing sales considerations
If necessary, you can check the "two certificates" that the intermediary agency should have, one is the business license issued by the industrial and commercial department, and the other is the intermediary agent qualification certificate issued by the Housing and Land Administration Bureau, which is the premise of matters needing attention in the sale of second-hand houses. If you sell a house, you have to look at the title certificate. If there is a parking space, it depends on the property certificate. If there are other names on the house, others must also be present. Attention should be paid to whether the name on the property certificate is related to the owner, the nature and content of the property right, including the area, address, age of the house, the distribution ratio of the standard price housing, etc. Be sure to check the original and the authenticity of the property right certificate. Some small agencies only have a copy paper, so be careful. In addition, it is necessary to know whether the second-hand house is a commercial house, a relocated house or an affordable house. The different nature of property rights relates to the complexity of the transaction process and the distribution of housing income, which will eventually affect the signing of the second-hand housing sales contract. Key commitments must be embodied in the contract. It should be noted that any key agreement on the transaction, or any promise of the seller, should be embodied in the contract, and cannot be replaced by oral agreement, because oral agreement can not be proved in disputed cases.