Before you apply for a loan, you should ask clearly what information and documents both buyers and sellers need, and be sure to prepare them in advance. The first is the application form for mortgage loan, proof of letter of intent for house purchase and other materials. Then, the buyer should prepare his own proof of income with official seal, and the person he can contact, telephone number, address, ID card, household registration book and marital status should also be submitted to the bank. The seller is also required to provide identity cards, household registration books, certificates of consent to sell, and proof of house property rights.

2, the bank to apply for loan housing valuation:

Not all second-hand houses can be loaned, but also related to the age of second-hand houses. Banks don't lend money to houses that are too old. After the required materials are submitted completely, the bank will arrange a time for a professional real estate appraisal agency to evaluate the market price of the house, so as to calculate the loan amount.

3. Bank approval:

If your information and documents are provided to the bank, and the house meets the loan conditions, then after the completion of real estate assessment, the bank will review the relevant qualifications of second-hand house buyers, that is, loan applicants, and determine the loan amount accordingly. Approval needs to refer to the lender's income, housing evaluation price and other aspects.

4. Transfer and mortgage:

After the loan is approved, the buyer and the seller can transfer the ownership, and then they can mortgage it. After the approval, the buyer can pay the down payment to the owner and issue the down payment certificate. Then the buyer and the seller carry this voucher, and the bank staff carry the approved mortgage application review commitment and other materials to the local real estate exchange for the transfer of house ownership certificates. Give the certificate of immovable property rights to the bank as collateral, and after the transfer, give the certificate of immovable property registration to the bank, and the bank will use it as collateral. At this time, the bank will truly unify the loan application for second-hand housing. After all the formalities are completed, the bank will divide the deposit accounts of the buyers in turn or at one time according to the amount agreed in the loan contract.

Matters needing attention in buying second-hand houses

1. The real identity of the owner must be confirmed before the second-hand house transaction.

Before signing a contract, buyers and sellers should first check the authenticity of the signing subject, mainly to verify the identity of the owner. Therefore, the authenticity of the owner's certificate and its consistency with the owner's identity are the prerequisites for signing a sales contract, especially when the buyer and the seller conduct their own transactions without the intermediary guarantee of a third party, which needs to be paid attention to by both buyers and sellers.

2. When signing the second-hand house sales contract, both parties must specify the liability for breach of contract.

The proportion of liquidated damages is clearly stipulated in the second-hand house sales contract, but there is no specific agreement on the payment time, which will cause the defaulting party to delay the payment time accordingly and reduce the actual binding force and execution of the terms. Therefore, it should be included in the contract that the buyer should pay liquidated damages to the seller (buyer) within _ _ _ days from the actual payment date (from the actual delivery date of the house) to ensure the final performance of the contract terms.

3. Time of payment and transfer must be indicated.

Many second-hand housing transactions are not one-time payment, but installment payment. Therefore, the seller needs to know the buyer's payment time, and the payment time of the final payment depends on the date of property transfer, so the buyer has the right to know the time of property transfer. Overdue, the breaching party should implement the liability for breach of contract in the housing sales contract according to the actual situation.