Second-hand housing bank mortgage loan process: 1. Submit loan information for preliminary review. The mortgage service company will ask the borrower to prepare the loan information and review it according to the requirements of the bank; 2. After approval, sign a loan agreement. The bank will evaluate and investigate your personal credit, financial situation and credit history. After the loan is approved, the borrower signs a loan agreement with the bank and notarizes the agreement, charging corresponding fees; 3. Handle the house transfer and mortgage procedures. The borrower shall go to the county (district) real estate trading center where the house is located to handle the house transfer and mortgage procedures, and submit the mortgage receipt to the loan bank for filing through the mortgage service company. 4. Apply for real estate license and mortgage certificate. After the lender's real estate license and other rights certificates are issued, the mortgage service company will hand over the information to the lending bank and wait for the bank to lend money. 5. Bank loans. After the bank receives the borrower's real estate license and other rights certificates, the mortgage service company will issue the bank's loan amount to the borrower.

legal ground

"Measures for the Administration of Individual Housing Loans" Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans. "Measures for the Administration of Individual Housing Loans" Article 8 The loan amount issued by the lender shall not be higher than the value of the house to be purchased assessed by the real estate appraisal agency. Article 9 of the Measures for the Administration of Individual Housing Loans applies for the use of housing provident fund loans to purchase housing. After the loan application is approved, the lender will transfer the funds to the bank account opened by the selling unit according to the time stipulated in the loan contract.

legal ground

"Measures for the Administration of Individual Housing Loans" Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

"Measures for the Administration of Individual Housing Loans" Article 8 The loan amount issued by the lender shall not be higher than the value of the house to be purchased assessed by the real estate appraisal agency.

Article 9 of the Measures for the Administration of Individual Housing Loans applies for the use of housing provident fund loans to purchase housing. After the loan application is approved, the lender will transfer the funds to the bank account opened by the selling unit according to the time stipulated in the loan contract.

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

First, the difference between one-time payment of second-hand housing and mortgage is that mortgage needs to go to the bank for mortgage procedures, and there is no need for one-time payment.

Second, the second-hand housing transaction process:

1. Property right audit before selling the house: carefully check the property right certificate of the owner, and pay attention to the signatures of several people on the property right certificate. If there are two people, they need to have their names at the back when signing the contract; Secondly, look at relevant evidence when buying a house, such as purchase invoices and deed tax invoices. As an auxiliary evidence to preliminarily confirm the ownership of housing property.

2. Pay the deposit and sign the contract: If the house you like is still mortgaged, don't pay the deposit directly to the owner, but have the supervision of a third party; If both the buyer and the seller have a trusted third party, they can sign a simple agreement to pay the down payment to the seller after the foreclosure is completed, and indicate that "paying the third party will be regarded as the seller's receipt of the down payment, and the seller's refusal to perform the contract on the grounds of not receiving the down payment will be regarded as a breach of contract"; If there is no reliable third party, deposits should be supervised by banks.

3. Redemption: There are two ways to redeem the building: First, the owner borrows money from the bank through the guarantee company to redeem the building, resulting in 0.8% guarantee fee and 0.4% short-term foreclosure interest. After the buyer's real estate license comes out, he will go to the bank to make a mortgage; Secondly, the buyer mortgages the bank through the guarantee company, and the bank pays the ransom to the seller, which only needs to generate the guarantee fee, but the buyer needs to pay the mortgage in advance.

4. Down payment and fund supervision

5. Signing a sales contract: When signing a written agreement, the most important thing is to pay attention to four aspects, namely, property rights, total house price, transaction taxes and fees, and date. It should be noted that the written agreement should specify how to allocate transaction taxes and fees.

6. Choose a bank and apply for a mortgage: If it is not a one-time payment, the buyer needs to go to the bank to apply for a mortgage loan. When applying for a loan in a bank, both buyers and sellers need to be present, and they should bring the original ID card, income certificate and sales contract.

7. Ownership transfer and tax payment

8. Follow-up matters: generally, handover of property, water and electricity, cable TV, gas, etc. If there are furniture and household appliances in the property, it is necessary to verify whether they have been replaced or removed. Finally, the owner will hand over the keys and formally complete the transaction.

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

The process of buying a second-hand house loan is: submit a written loan application to the bank with ID card, household registration book, marriage certificate, house purchase contract, real estate license and personal account statement for nearly half a year; Banks review the qualifications of borrowers and open accounts by signing loan contracts, guarantee contracts and entrusted deduction agreements; Handle mortgage registration and loan withdrawal. "Measures for the Administration of Urban Real Estate Mortgage" Article 25 For real estate mortgage, the mortgage parties shall sign a written mortgage contract. Thirtieth real estate mortgage contract within 30 days from the date of signing, the mortgage parties shall go to the real estate management department where the real estate is located for real estate mortgage registration. Thirty-first real estate mortgage contract shall take effect from the date of mortgage registration. Article 34 If the real estate obtained according to law is mortgaged, the registration institution shall record his other rights in the original Certificate of Real Estate Ownership, and the mortgagor shall take over. And issue the real estate license to the mortgagor. If the pre-sale of commercial housing or the construction in progress is mortgaged, the registration authority shall record it in the mortgage contract. If the mortgaged real estate is completed during the mortgage period, after the mortgagor obtains the certificate of real estate ownership, the parties concerned shall re-register the real estate mortgage.

What is the process of second-hand housing loan?

The loan process for buying a second-hand house is as follows: 1. Submit a written loan application to the bank and submit relevant materials; 2. Sign loan contracts and guarantee contracts; 3. Sign the entrusted deduction agreement and open an account; 4, with the consent of the loan bank, issuing and using loans; 5. The borrower shall repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract.

What are the procedures and procedures for buying a second-hand house with a loan?

Second-hand housing commercial loan process is as follows:

1. After the buyer and the seller sign the house purchase contract and pay the down payment, they apply for a loan in the bank.

2. Receive the receipt of the loan payment voucher of the loan contract with the original ID card.

3. After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign a loan contract with the bank with the information and loan commitment letter and go through the notarization procedures. It should be noted that if the buyer is married, both husband and wife need to come together.

Extended data:

What materials should be prepared for second-hand housing loans?

1. Original and photocopy of ID card (two copies to the buyer; One for the buyer)

2. Original and photocopy of the household registration book (two copies for the buyer; One for the buyer)

3. The original and photocopy of the marriage certificate (two copies to the buyer; Note: marriage certificate (marriage certificate, divorce certificate, judgment and single certificate are issued by the civil affairs department)

4. proof of salary (stamped with the official seal of the company) and personal bank statement (for six consecutive months). The bank has a sample of the salary certificate form, which can be obtained from the loan bank. )

5. Appraisal report signed by the buyer and the seller issued by the real estate transaction department.

7. The bank card of the buyer and the seller in the loan bank and its copy. There is also the original and photocopy of the down payment transaction record (it is best to transfer the down payment in the bank).

8. Finally, the new real estate license is one original and one copy, and the land certificate is two original and one copy. Copy of old house property certificate and land certificate.