What is the loan process for buying a second-hand house?

1. If you apply for a personal second-hand housing loan at China Bank, the business process is as follows:

1. Sign the Purchase and Sale Contract: the borrower and the house seller sign the House Purchase and Sale Contract

2. Apply for a loan: the buyer and the seller submit relevant information to the lender, and the buyer fills out the Application Form for Second-hand Housing Mortgage Loan.

3. real estate assessment: After receiving the loan application materials from the borrower, the bank will evaluate the transaction house;

4. loan approval: the bank approves the loan application and determines the loan amount and term. Personal second-hand housing loan business must adhere to the relevant approval principles;

5. signing a contract: the borrower, the lender and the guarantor sign a loan contract, and the contract needs notarization;

6. Handling the formalities of real estate transfer and mortgage registration: the lender or a real estate agency recognized by the lender will handle the formalities of real estate transaction transfer and mortgage registration;

7. Signing the Debit Receipt: After receiving the certificate that the borrower has completed the mortgage property registration, the lender will notify the borrower to sign the Debit Receipt at the bank.

8. Lending: The lender will transfer the loan to the designated account according to the agreement of the buyer and the seller, and then both the buyer and the seller shall go to the bank to handle the loan issuance procedures;

9. repayment of principal and interest: the borrower will repay the principal and interest from the month following the loan issuance.

2. You can apply in our e-banking channel, and the methods for applying for loans are as follows:

1. Bank of China currently supports customers in some parts of China to apply for loans in e-banking. Please choose from the drop-down menu of online loan application function of personal online banking and mobile banking or the China map of online loan application function of our bank in official website. Online loan application supports micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. The types of loans supported by different regions are different. Please select from the drop-down menu for details.

2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.

the above contents are for your reference. please refer to the actual business regulations.

if you buy a second-hand house in dongguan by mortgage, how do you apply for mortgage registration?

(1) the buyer and the seller sign a house sale agreement or a house sale contract;

(2) qualified buyers apply to the loan bank for a loan and provide relevant certification materials;

(3) The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank for house appraisal;

(4) The law firm authenticates, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues a Legal Opinion;

(5) The loan bank shall conduct examination and approval, and notify the loan applicant whether to approve the loan;

[6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities;

⑺ The purchaser signs a second-hand house mortgage contract with the loan bank;

⑻ The buyer and the seller will send the transferred house ownership certificate to the loan bank for mortgage registration;

⑼ after the loan contract comes into effect, the lending bank transfers funds according to the loan contract;

⑽ the borrower repays the loan on a monthly basis;

⑾ the borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.

How to get a loan for buying a second-hand house

Nowadays, many people need to get a loan for buying a second-hand house, which can also relieve their pressure and make their lives more comfortable. However, the second-hand housing loan process is very complicated, which is unknown to first-time buyers. Then, let Xiaobian share how to buy a second-hand house for everyone.

first, how to get a loan for buying a second-hand house

1. Looking at the house

First, you need to know about the house, go to the field to look at the house, and feel that it meets your own requirements after reading it, and then decide whether to buy it or not.

2. signing a loan contract

when both parties sign a loan contract, both parties need to be present and bring relevant materials, and the buyer needs to prepare the down payment.

3. Evaluation

Please ask the evaluation company to go to the site to evaluate the house, and the owners should actively cooperate.

4. Online signing

The signing center will send someone to take both parties to the online signing office of the Construction Committee for online signing, and the price of online signing should ensure the loan demand of customers.

5. Review

Review according to the information submitted by the buyer and the seller, comprehensive evaluation report and online contract signing.

6. After the loan approval

is completed, it is determined whether the loan can be approved and the specific number of loans approved, and the bank will give the loan approval certificate.

7. Transfer of ownership

Before the signing center arranges the transfer of ownership by both parties, the buyer and the seller will handle the property fee; On the day of transfer, you have to go to the local tax bureau to pay all kinds of taxes, and the buyer can get the certificate and the invoice issued by the local tax on the same day.

8. Lending

Lending will be given to the seller within three working days after the transfer.

9. Property delivery

After the transfer is completed, both parties will hand over the house, which is usually handled on the day of transfer, unless there are special circumstances.

1. Get the property ownership certificate

Generally, you can get the property ownership certificate within ten working days after the transfer, but it is slow in some places, depending on the local conditions.

11. Mortgage registration

After the transfer is completed, the buyer needs to go to the bank for mortgage registration, and after the completion, the original copy of the house will be handed over to the buyer.

article summary: the above is the related content of how to buy a second-hand house for everyone, hoping to help everyone. If you want to buy a second-hand house, you can first understand the specific loan process, so that you can successfully complete the loan.

How to get a loan for buying a second-hand house

Now there are many new properties, and the prices are constantly rising. Many people choose to buy second-hand houses. For second-hand houses, the price will be cheaper. Let's take a look at it with Xiaobian and see how to buy a second-hand house.

How to get a loan for buying a second-hand house

1. In terms of loan, before handling the loan, we should first determine the mortgage company with the intermediary, ask the mortgage company for loan advice, then determine the loan plan and find some companies with good service and low price.

2. After the idea of buying a house is confirmed, it is necessary to provide a provident fund account number, and the mortgage company we choose will inquire about the provident fund to determine the loan amount and loan period.

3. Sign a house sales contract with the owner of the second-hand house. Because the trading center has different requirements, we will sign it according to the situation in our own region.

4. after the preliminary examination, the mortgage company will submit the loan information to the bank for review, and after the bank passes, the mortgage company will arrange to sign a loan agreement with the bank and notarize the agreement.

5. Then you can go to the transaction center in the district where the house is located to go through the formalities of house transfer and mortgage, and hand over the receipt of the mortgage to the loan bank through the mortgage company, so that the bank can handle it. When handling the transfer, you must be careful and pay attention to your house situation.

6. As a lender, after the real estate license and other rights certificates are issued, the mortgage company will hand over the copy of the property license and the original certificate of other rights to the bank according to the regulations. After the bank we borrowed receives the real estate license and other rights certificates, the mortgage company will issue the loan, which is basically over.

article summary: how to get a loan for buying a second-hand house? Before handling the loan, we should first determine the mortgage company with the intermediary. The mortgage company we choose will inquire about the provident fund to determine the loan amount and loan life. Sign a house sales contract with the owner of the second-hand house. After the loan information is approved, the mortgage company will arrange to sign a loan agreement with the bank and notarize the agreement. Go through the formalities of house transfer and mortgage at the trading center in the district where the house is located.

This is the end of the introduction about how to get a loan for buying a second-hand house in Dongguan and how to buy a second-hand house in Dongguan. Did you find the information you need?