Second-hand housing can be loaned.

Second-hand housing can be loaned. Second-hand houses are basically individuals who can apply for commercial loans and provident fund loans. However, the lender must be a China citizen with full capacity for civil conduct. There must be collateral in the process of loan. If you buy it with the provident fund, you need to go to the bank to apply for a loan with your unit certificate and identity certificate.

Although it is a second-hand house, for many families, this house price is also very expensive. And if buyers can't buy a house in full at one time, then they can choose a bank mortgage loan to buy a house at this time.

How to handle the second-hand housing mortgage? What are the procedures and procedures for handling second-hand housing loans? These schemes are divided into the following nine items in order, namely:

1. The buyer and the seller sign a house sales contract, and the buyer pays a certain down payment to the seller. In most cases, the down payment is not less than 70%. Some lenders with particularly good qualifications can only lend 80%. After paying the down payment, the seller is required to issue a receipt, which will be used in the loan information.

2. The purchaser applies for a loan from the bank and submits written materials, including the purchase contract, the identity information of the buyer and the seller (ID card, household registration book), proof of marital status (unmarried certificate or marriage certificate), property title certificate and down payment certificate. Copies of these certificates are enough.

3. The appraisal agency designated by the bank evaluates the real estate, so the purchaser also needs to bear the appraisal fee, which generally ranges from several hundred yuan to several thousand yuan.

4. A legal opinion issued by a law firm designated by the bank. Banks issue loans and issue loan commitments.

5. The bank signs a mortgage loan contract with the purchaser (lender and borrower), which is notarized or witnessed by a lawyer.

6. Set up deposit and loan accounts and allocate housing loans.

7. On the day of real estate transfer, handle house transfer procedures and bank mortgage registration, and handle loan insurance procedures or repayment guarantee of guarantee companies. To this end, buyers need to pay insurance or guarantee fees.

8. Banks issue loans. Can be distributed to seller's account, buyer's account or intermediary company account. At present, most of the ways are to lend money directly to the seller's account (home). Lawyer Shen strongly advises you not to transfer the loan into the account of the intermediary company, so as to avoid serious legal consequences, such as the intermediary company diverting the money for other purposes and absconding with the money.

9. The borrower repays the principal and interest on a monthly basis until the principal and interest are fully paid off and the loan contract is terminated.

Can buying and selling second-hand houses be mortgaged?

Yes The whole process of second-hand housing transaction can be roughly divided into the following stages: 1. The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificates, identity documents and other documents. 2. If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign a house sales contract (or a house sales contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts. 3. The buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited. 4. Contract. The real estate transaction management department shall, according to the property right status and the purchase object of the transaction house, report to the transaction department for approval step by step according to the approval authority set in advance, and both parties to the transaction may go through the formalities for signing the deed. Now Beijing has cancelled the sales contract of real estate in the transaction process, which is also commonly known as "white deed". 5. Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different. 6. Go through the formalities of property right transfer and transfer. After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate. 7. For the buyer of the loan, after signing the house sales contract with the seller, both the buyer and the seller will go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.

Legal basis:

"Notice of Bank of China on Printing and Distributing" Article 2 The term "individual second-hand houses" as mentioned in these Measures refers to houses sold by property owners, where the property ownership certificate has been issued by the housing land management department, or the property right has been confirmed, and the real estate agent can provide the property "Commercial House Ownership Certificate" and "Building List", which can be circulated in the secondary market of housing transactions, and the seller has complete disposal rights. Second-hand housing mortgage loan business includes: personal second-hand housing mortgage loan and personal second-hand housing mortgage loan business.

Can a second-hand house be loaned?

Second-hand housing can be loaned. Buying a second-hand house can be loaned, but it must meet certain conditions. Different banks have different regulations. Although the down payment ratio of second-hand houses is the same, the down payment calculation method of commercial loans of second-hand houses is different from that of new houses. Second-hand housing commercial loan down payment = transaction price-housing appraisal value x loan ratio, second-hand housing loanable amount = housing appraisal value x loan ratio.

Matters needing attention in second-hand housing loan

Verify the identity of the seller. If it's a person, look at his ID card. If you choose an intermediary, you should choose a formal real estate agent with a certain degree of credibility as the supervisor of both parties' funds and housing delivery in the second-hand housing transaction, so as to ensure the smooth transfer after the payment, and the house and money will be liquidated after the transfer.

If necessary, you can check the two certificates that an intermediary agency should have, one is the business license issued by the industrial and commercial department, and the other is the intermediary agent qualification certificate issued by the Housing and Land Administration Bureau, which is the premise of matters needing attention in buying second-hand houses. Housing Authority examines the seller's real estate license. Check: whether the owner on the property certificate is the same as the seller, and check whether the name in the seller's ID card or industrial and commercial file is consistent with the owner of the house on the property certificate. It can't be wrong in principle.

Is there a loan for selling second-hand houses? Let's stop here.