1. The buyer and seller sign a "House Sales Contract", in which it is agreed that the buyer will pay for the house through a second-hand house loan, and agree on the down payment and loan ratio. At this stage, the buyer should generally check the seller's "House Ownership Certificate", water and electricity bill records and other documents while viewing the house on site; sometimes the seller will require the buyer to pay a certain deposit.

2. The buyer and seller go to the real estate market in the district or county where the house is located to print out the "Real Estate Sales and Purchase Agreement" (the agreement should clearly indicate the method of payment of the house price, such as "200,000 yuan as down payment; Apply for a loan for the remaining funds\", etc.), and at the same time, the buyer and seller go to the local housing authority to sign the "Private Housing Collection and Payment Agreement" on-site to clarify the entrustment relationship for the collection and payment of transaction funds.

3. Due to the particularity of second-hand houses, the buyer needs to find an appraisal company to evaluate the purchased property first. Banks will base their lending on the lower of the transaction price and the appraised price of the house. It should be noted that some banks will only accept appraisal reports from designated appraisal companies, while some banks do not require them. Therefore, home buyers should consult the lending bank before appraisal.

4. In order to ensure the safety of the loan, banks generally require the buyer to provide a guarantee. The guarantor can be an individual with financial ability or a professional guarantee company. It should be noted that some banks have already launched unsecured second-hand housing loans. Therefore, home buyers must be clear about the guarantee fees charged by their bank before applying for a housing loan.

5. The buyer takes the "Private Property Collection and Payment Agreement" to the lending bank to deposit the down payment, and obtains proof of deposit of the down payment. At the same time, the buyer can apply for a second-hand housing loan from the bank and submit all the loans. Application information.

6. After passing the bank review, the buyer signs a loan contract with the bank, and the bank notifies the seller that the loan can be disbursed.

7. The buyer and seller bring the original and copy of the real estate certificate, the sales contract and copy, the buyer’s and seller’s ID cards and other information to the Real Estate Bureau to handle the transfer procedures, and bring the old land certificate to the Land Bureau for replacement. formalities.

8. The buyer brings the real estate certificate, land certificate transfer receipt, authenticated sales contract, deed tax invoice and other materials to the Real Estate Bureau to handle the mortgage procedures for the property.

9. The bank will issue the loan after receiving the mortgage certificate. After the loan is disbursed, the buyer will receive a new real estate certificate from the housing management department.

10. The home buyer must repay the loan on time according to the prescribed repayment method. After paying off all loans, the home buyer goes through the mortgage registration and cancellation procedures.