If the loan for buying a second-hand house is issued quickly, the bank will generally issue the loan within 3-5 working days. Buying a house by loan takes about 20 working days, and the specific time schedule is as follows: house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day; Submit loan application and sign loan contract: 1 working day; Real estate assessment and third party guarantee: 1-2 working days; Bank approval: 5 working days; House transfer, down payment: 1 working day; Pay taxes and get a new real estate license: 4 working days; The bank receives the loan contract and mortgage registration: 3 working days; Bank loan to the seller, property delivery and final payment: 3-5 working days.

But generally speaking, in real life, it usually takes about a month to get a loan for buying a second-hand house, because it takes a lot of time to review and check all kinds of materials, and it is impossible for the owner to submit the corresponding materials as quickly as you do, so generally speaking, those who meet the loan procedures can do it in about a month.

Second, is it difficult to get a second-hand housing loan in Hefei in 2022?

It is not difficult to borrow a second-hand house in Hefei in 2022. According to relevant data, in 2022, the second-hand housing loan in Hefei met the conditions of bank loan and the relevant requirements stipulated by the bank, and the housing loan was good. The slowdown of second-hand housing loan business in Hefei in the second half of 2022 is mainly affected by factors such as industry cycle and real estate loan concentration. The new policy of second-hand housing loan in 2022, the purchase of the first home is closely related to the banking policy, and the state issued the Notice of the China Banking Regulatory Commission of the People's Bank of China on the adjustment of individual housing loan policy. In order to further promote reasonable housing consumption and stabilize the stable development of the real estate market, the State Council said that the down payment for second-hand houses is only 20%. The down payment needs to be carried out in a non-restricted city, and the first suite and the second suite are purchased, and the down payment of 20% is allowed without any change.

Third, why is the second-hand housing loan so difficult?

It depends on personal qualifications.

Conditions for applying for loan business:

Natural persons aged between 18 and 65;

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.