First, look at the house and sign the purchase contract.

Second, apply for a second-hand housing loan in the bank.

Three. Institutional evaluation

The fourth is bank audit.

Verb (abbreviation of verb) property transfer and transfer

Intransitive verb bank loan

# Loan process for purchasing second-hand houses:

1, loan application

Property buyers need to apply for loans when buying second-hand houses. First of all, the applicant and the co-applicant should bring the loan elements to the district management department (hereinafter referred to as the management department) where the housing provident fund is deposited, and fill in the Approval Form for Provident Fund Loan Application at the window where personal loans are accepted.

2. Loan review

After the buyer applies for a loan, the accepting personnel will review the personal credit (including spouse) and materials according to the loan policy, and input the information into the form. After passing the review, the system will output the contract text, loan receipt and entrusted deduction agreement.

Step 3 sign

The second-hand housing loan applicant and the co-applicant sign the above text after handling the bank repayment card (discount).

4. Handle the guarantee and mortgage.

Second-hand housing loan applicants and co-applicants go to the guarantee company window to handle the guarantee and real estate mortgage registration.

Step 5 lend money

After handling the above procedures, the purchaser still needs to wait for the guarantee and real estate mortgage registration. After the management department reviews the loan materials, the entrusted bank will transfer the loan to the account of the fund company, and the borrower will receive the corresponding receipt from the entrusted bank with the original ID card.

6. Repayment

After the loan is completed, the borrower shall repay the principal and interest of the loan within the time limit agreed in the contract every month until the loan is fully paid off, and the repayment method can be modified once during the repayment period.

# The process of buying a second-hand house with a loan:

First of all, look at the house to determine the housing.

Second, payment or intention.

Third, the buyer and the seller sign the contract.

Fourth, the seller cancels the mortgage loan.

5. The buyer pays the down payment of the loan.

6. Both parties handle the transfer.

Seven, the seller to the buyer.

Eight, the buyer pays the balance.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy shopping!