In the sale of second-hand houses, I have a second-hand house to sell and the buyer needs a loan. I need a loan from my present house. I'm afraid I will be cheated. The agent said no problem. I am very worried This belongs to the normal operation of second-hand housing, so you should have no problem as long as you choose a more formal intermediary company;

Of course, you must also pay attention to whether all the operations are formal;

General second-hand housing transactions pay your down payment at the same time when you buy a house after signing a sales contract;

After receiving the down payment, you issue a receipt for the house payment to the buyer, and then apply for a loan from the bank based on the sales contract and the down payment receipt.

After the loan application is approved, you will go to the transaction to transfer ownership;

As sellers, we should pay attention to the following links:

1. Before the transaction is transferred, you must confirm the other party's loan with the bank. Has the other party's loan application been approved? Is the loan amount consistent with the contract? Is the loan account number left by the loan bank your own?

2. Confirm whether the loan contract has been stamped with the official seal of the bank before the transaction transfer? Is the loan amount in the loan contract consistent with what you know? Are the loan contract and related materials sent to the trading center at the same time?

As long as there is no problem with the above procedures, you can trade with confidence. After the general transaction, the house payment can be paid after receiving all the money.

The mortgage of the house will not take effect until the bank lends money. Without lending, there will be no mortgage!

Of course, you really don't feel at ease to go to the trading center to handle the fund supervision procedures, which can also ensure the safety of your transaction and will generate some expenses!

I hope it helps you!