With the trend of modern housing prices rising steadily, few people in big cities can own a house of their own, but there are still many people who are eager to own their own houses. So even if the money can't buy a suite now, people can still choose to buy it by mortgage. Many new properties are very expensive, so people will choose to buy second-hand houses with lower prices in the second-hand housing market, so today I will introduce you to the knowledge of how to apply for mortgages in second-hand houses.

1 day, submit materials and apply.

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. After the three parties agree on the time, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house.

Day 2-7, Evaluation

According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can usually be completed within 3 to 5 working days. Require the counterparty to pay the 500 yuan assessment fee.

8 to 10, approved by the bank.

Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department are in the same office building, and the approval speed is fast. 1 can complete the approval time of each business in 2 days.

1 1 to 33, pay the down payment and handle the transfer.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

34 to 35 for real estate mortgage registration and insurance procedures, bank loans.

After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

Summary process:

Sign a contract with the seller-pay a deposit-both parties transfer ownership-get the certificate (pay deed tax) three days later-both parties go to the bank to handle relevant procedures (notarization fee and information fee)-bank evaluation (evaluation fee)-sign a contract with the bank at the evaluated price-handle mortgage registration-get the other party's certificate together with the bank-lend money.

In the above, we introduced the basic process of how to handle the second-hand housing mortgage. In fact, it can be seen from the whole article that this is explained in chronological order, because buying a house is not something that can be completed in a day or two, but in fact, although it seems to take a long time, handling various procedures is not as complicated as expected. After all, it is tolerable for everyone to own a house.