Buying a second-hand house, but the seller has not paid off the mortgage, it is suggested to go through the following transfer procedures to avoid risks:

The buyer and the seller sign a sales contract, stipulating who will pay off the remaining principal of the seller's loan;

The buyer and the seller go to the bank to sign a loan contract; After the approval of the bank, the bank will repay the loan; Go through the cancellation procedures at the Housing Authority; Handle the handover procedures according to the process; Take the title certificate to the bank; Bank loans; The transaction ended successfully.

Second, second-hand housing buyers want to apply for loans, what should sellers pay attention to, and what is the specific process?

I am the seller. There is a second-hand house to be traded, and the buyer wants a loan. I don't know much about this situation. I just checked some information, but there are still some questions I don't understand. Ask me. It is written that the buyer and the seller need to be present at the same time and bring all the materials when signing the loan contract at the bank outlet, and the buyer needs to prepare the down payment. I would like to ask whether this down payment should be handed over to the buyer after signing the contract or placed under the supervision of the bank or how to operate it specifically. Later, if the loan is approved, it will be transferred. After the transfer, how can the seller get the remaining money? I don't understand. I'm always afraid of risks or encountering swindlers. Please ask the master what I should pay attention to.

The loan consultant pointed out that loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Loan refers to a financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).

3. What should the seller pay attention to when the second-hand house buyer wants to apply for a loan? What is the specific process?

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I am the seller. There is a second-hand house to be traded, and the buyer wants a loan. I don't know much about this situation. I just checked some information, but there are still some questions I don't understand. Ask me. It is written that the buyer and the seller need to be present at the same time and bring all the materials when signing the loan contract at the bank outlet, and the buyer needs to prepare the down payment. I would like to ask whether this down payment should be handed over to the buyer after signing the contract or placed under the supervision of the bank or how to operate it specifically. Later, if the loan is approved, it will be transferred. After the transfer, how can the seller get the remaining money? I don't understand. I'm always afraid of risks or encountering swindlers. Please ask the master what I should pay attention to.

The loan consultant pointed out that loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. Loan refers to a financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).

4. What should the seller pay attention to when the second-hand house buyer wants to apply for a loan? What is the specific process?

I am a seller, and I don't know much about the existing second-hand houses. I just found out what I don't understand, and I want to ask you. It says that the buyer and the seller sign at the bank outlets to confirm that the buyer and the seller and the husband and wife are present at the same time, and bring all the materials. This down payment is how to operate after signing the contract first. After that, if the loan is approved, you can get the rest of the money. I don't understand. I'm always afraid of what I should pay attention to.

The loan consultant pointed out that a loan is a monetary form that banks or other financial institutions lend money at a certain interest rate and must return it. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, interest income is a financial act to increase the creditor's (or lender's) transfer of the right to use funds to the debtor (or borrower).