The second-hand housing mortgage of the bank is mortgaged after the new real estate license is obtained, and then transferred to the seller through the seller's account indicated when the mortgage contract was signed before. In all mortgage processes, buying a house will not come into contact with the mortgage money.

Second, whether the second-hand housing mortgage loan is allocated to the buyer first or directly to the seller.

I. Mortgage loan

1. The relaxation procedure of house mortgage loan is to transfer the money to the lender's account first and then to the seller. But this is just a process, just a moment in time. It is impossible for the lender to use the loan. 2. If the loan transaction has been submitted to the bank, the bank will ensure that the loan can be transferred to the seller's account. 3. If the bank reply system is closed and the loan is postponed, you can rest assured, but you need to carefully check whether it is true.

Second, the mortgage loan conditions

1, 18-60 years old, a natural person with full capacity for civil conduct.

2. Have a stable occupation and income, repayment ability and good credit record.

3. Self-raised house payment (down payment) shall not be less than 20% of the purchase price.

Extended data:

I. Term of mortgage loan

The loan term shall not exceed 30 years, and the sum of the loan term and the borrower's age shall not exceed 65 years.

Second, the application conditions

1. Legal identification of the borrower

2. The borrower's economic income certificate or occupation certificate.

3. Borrower's household registration book

4. Borrowers with spouses need to provide proof of marriage relationship.

5. If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment obligation of * * *.

6, the purchase of second-hand housing property certificate

7. The house sales contract signed with the seller and the transfer account number provided by the seller.

8. If the collateral needs to be evaluated, a collateral evaluation report issued by an evaluation institution recognized by the lender shall be issued.

9. Property right of the purchased house * * * A written authorization document from someone agreeing to sell the house.

10. Other documents or materials required by the lender.

Third, the mortgage loan application materials

1, ID card (husband and wife), temporary residence permit (migrant population)

2. Household registration book (both husband and wife)

3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)

4. Proof of income or solvency (unit)

5. Copy of business license stamped with the official seal of the employer (presented by the employer)

6. Certificate of academic qualifications (provided by junior college or above)

7. Current passbook of the applicant's loan bank.