1, sign the second-hand house sales contract;

2. Apply for mortgage loan in the bank;

3. Submit identity certificate, income certificate, sales contract and other materials;

4. The bank examines whether it meets the loan requirements;

5. Meet the requirements, sign a mortgage loan contract and issue loans.

The steps to buy a second-hand house are as follows:

1, communicate with the seller to understand the actual situation according to the demand;

2. On-site house inspection;

3. After determining the house, draft the purchase contract;

4. Sign and perform the contract;

5. Declare the transaction price;

6. Pay taxes such as deed tax;

7. Go through the house transfer registration.

The purchase of second-hand houses shall pay the following taxes:

1, deed tax;

2. Business tax. If an individual sells a house that has been purchased for less than 2 years, the business tax will be levied in full; Individuals who purchase houses for more than 2 years for external sales shall be exempted from business tax;

3. Personal income tax;

4. Stamp duty;

5. Land value-added tax.

Legal basis:

Measures for the administration of individual housing loans

Article 5

The borrower shall meet the following conditions:

(a) with permanent residence in cities and towns or valid residence status;

(2) Having a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

(three) there is a purchase contract or agreement;

(four) no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

(5) There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

(6) Other conditions stipulated by the lender.