How to handle the second-hand housing transaction loan? First, after the buyer and the seller sign the house purchase contract and pay the down payment, they apply to the bank for a second-hand house transaction loan. 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. How to handle the second-hand housing transaction loan? Secondly, 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)-signing counter (signing loan contract)-notarization counter (handling contract notarization)-signing counter (receiving loan contract). How to handle the second-hand housing transaction loan? Thirdly, 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, credit card and insurance policy, and go through notarization procedures (if the buyer is married, both husband and wife need to come together). What needs your attention is that if the husband and wife or one of them can't come to sign the contract in person, the other party or the third party needs to be authorized to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.

Second, how to handle the second-hand housing loan?

Individuals buy a house, almost everyone can't escape the loan, but what are the procedures for individual housing loans? How to apply for a personal loan and what information do you need to apply for a personal housing loan? The following small series collects some procedures about personal housing loans, hoping to help you!

The first step of commercial loan: there are three specific things to register for tax payment. Property buyers and developers sign pre-sale contracts and sales contracts; Buyers pay the down payment according to the specific requirements of the developer; Property buyers and developers each pay stamp duty at the rate of 0.5% of the house price.

The second step of commercial loan: the pre-sale registration step is generally handled by the developer.

The third step of commercial loan: after submitting the application to the on-site lawyer of the law firm designated by the bank, it begins to enter the substantive loan stage. When submitting the application, the buyer must provide the following information: 1. Id card (original and copy) 2. Household register (original and copy) 3. Temporary residence permit (only for foreign buyers, 3 originals and copies) 4. Marriage certificate (original and 3 copies) 5. Academic certificate (3 originals and 3 copies) 6. Copy of business license of legal person or private enterprise (original or copy with official seal) 7. Professional income and proof of income (3 originals and photocopies) 8. Beijing Domestic Commodity House Pre-sale Contract (Sales Contract) (original and photocopy) 10. Notice of approval for individuals from other provinces and cities to purchase houses in Beijing (3 originals and photocopies are required for purchases from other provinces and cities) shall be stated, and the applicant shall also provide the above information when there is an applicant.

The fourth step of commercial loan: fill in the application materials. The loan lawyer will assist the buyers to fill in the application materials. The information specifically includes: 1. Application form for individual housing loan in quintuplicate. 2 individual housing loan contract description. 3. Receiving the contract for the ownership certificate of the loan house. 4. Power of attorney. 5. Commitment letter. 6. Dialogue record. 1. After completing the first four items, the developer must also require the buyers to pay 0.3% of the loan amount.

The fifth step of commercial loan: the lawyer reviews the information and forwards it to the bank.

The sixth step of commercial loan: after signing the loan-related contract, the bank will review the lender's credit standing, loan amount and loan term. Signed a series of contract documents with the Lenders Association: 1. Individual housing loan contract in quintuplicate. China Pacific Insurance Company Personal Housing Insurance Application Form 1 in triplicate. Transfer Certificate of Personal Housing Guarantee Loan 1 copy 4. Stamp card 1 5 copies. Electronic money card application form. 65,438+0 deposit receipts. It should be noted that when signing the insurance policy, the house property insurance premium, the cost of repayment card (3 yuan) and the deposit of repayment card (10 yuan) should be paid, and all documents should be signed by the insured himself. If there are * * * applicants, all applicants should be present to sign.

The seventh step of commercial loan: the loan applicant repays the loan every month.

Third, how to handle the second-hand housing loan process?

Second-hand housing loan processing flow:

1. The buyer and seller of second-hand houses sign a house sales contract, which stipulates that the buyer will pay the house price, down payment and loan ratio by means of second-hand house loan.

Second, the buyers and sellers of second-hand houses print the real estate sales agreement in the real estate trading market of the districts and counties where the houses are located. At the same time, the buyers and sellers sign the Agreement on Collection and Remittance of Private Property Houses at the local Housing Authority site, clarifying the entrustment relationship of collection and remittance of transaction funds;

3. Due to the particularity of second-hand houses, buyers need to find an evaluation company to evaluate the purchased property first. Banks will take the lower of the transaction price and the evaluation price as the basis for lending;

Four, in order to ensure the safety of second-hand housing loans, the general bank will require the buyer to provide a guarantee. The guarantor can be a financially capable individual or a professional guarantee company;

5. The second-hand house buyer deposits the down payment in the loan bank with the Agreement on Collection and Remittance of Private Property Houses, and obtains the deposit certificate of the down payment. At the same time, he can apply for a second-hand house loan from the bank and submit all loan application materials;

6. After the approval of the bank, the buyer signs a loan contract with the bank, and the bank informs the seller that it can lend money;

7. Finally, when the second-hand house is transferred, the buyer and the seller shall go through the transfer formalities at the real estate bureau and the old land certificate with the original and photocopy of the real estate license, the sales contract and photocopy, and the ID cards of the buyer and the seller.

What information do you need to prepare for second-hand housing loans in Beijing?

Second-hand housing loan refers to a loan that an individual pays a certain proportion of down payment when buying a house or commercial house that the seller has a real estate license and can trade in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral. Under normal circumstances, second-hand housing loans to buy a house need to prepare the following materials:

(1) information required by the buyer

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

2. Household registration book (both husband and wife);

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

4 proof of income or solvency (issued by the unit);

5. A copy of the business license stamped with the official seal of the company (made by the company);

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

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

8. Other materials required by the bank.

(2) Information required by the seller

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

2. Household registration book (both husband and wife);

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

4. Proof that the spouse and * * * agree to sell (fixed format);

5. House title certificate;

6. If the purchased public houses, central houses, affordable houses and relocated houses are sold, the original purchase contract, agreement and relevant approval documents shall be provided.

4. Bank loan policy for second-hand houses in 2022?

The latest policy of second-hand housing loan in 2022:

(1) Minimum down payment ratio. When it comes to the new policy of second-hand housing loans in 2022, the first thing to say is the down payment ratio, what is the down payment ratio, and whether to buy the first suite, which has a great relationship with bank policies. Recently, the State issued the Notice of China Banking Regulatory Commission of the People's Bank of China on Relevant Issues Concerning the Adjustment of Individual Housing Loan Policy, aiming at further promoting reasonable housing consumption and stabilizing the stable development of the real estate market. At present, the relevant deployment in the State Council indicates that the minimum down payment for second-hand houses is only 20%. If you want a minimum down payment, you need a city that is not limited to purchase in order to implement the standard. Buy the first suite, the second suite does not make any changes, only 20% down payment is allowed.

(2) loan amount. Many people want to know, although second-hand housing can be loaned, how much can it be loaned? In general, the maximum loan amount for second-hand houses cannot exceed 70% of the appraised price, confirmed price and transaction price of the house mortgage. If the price of the house completed within three years is stable or the commercial house is still appreciating, it depends on the borrower's education level and career prospects. The maximum loan price cannot exceed 80% of the lower mortgage valuation and transaction price. If the lender is not registered locally and has no fixed address, the loan amount will also be reduced.

(3) Requirements of the borrower. Borrowers of second-hand housing loans are required to judge according to their personality, occupation, education level, repayment ability and comprehensive ability of purchased houses. Men's actual age plus loan years should be less than 65 years old, and women's actual age plus loan years should be less than 60 years old, and they have household registration in China where their household registration is located, without any record of non-performing loans, and their income is stable. The lender shall be 18 years old or above, have full capacity for civil conduct, and have permanent residence of urban residents or legal and valid identification. Holding a second-hand housing sales contract, the down payment has been paid, and when applying for a loan, its own funds can't resist 20% of the house price.