Under normal circumstances, it takes about 15 working days.

Second-hand mortgage: dealing with house purchase loan is one of the purchase procedures that many buyers need to face. Most property buyers know little about loans, so they waste their time in handling loans.

The first step: buy a house with clear property rights and choose a real estate transaction agency that can handle mortgage loan business to handle agency matters.

Step 2: The buyer and the seller must provide relevant information. Among them, the materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, proof of marital status, house purchase agreement signed by the buyer and the seller, income certificate of husband and wife (unit income certificate), other property certificates including deposit certificate and securities, and two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house sold, and proof of approval for listing.

Step 3: Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the house purchased. Attorney's fee.

Step 4: The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend.

Step 5: The buyer and the seller go to the real estate transaction management department of the real estate bureau where the house is located to handle the transfer procedures of the ownership of the house.

Step 6: After receiving the sales contract, send it to the bank, and the bank will transfer the money.

Step 7: Go to the Real Estate Bureau for mortgage registration, and the borrower will repay the interest on a monthly basis.

Housing loan:

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Mortgage Baidu encyclopedia

How long can the second-hand housing loan come down?

More and more people like to buy second-hand houses. For second-hand houses, there is still a certain gap with first-hand houses, and loans will be different. Let's take a look with Bian Xiao. How long does the second-hand housing loan take? How long can the second-hand housing loan come down?

How long can the second-hand housing loan come down?

Because there is a certain gap between second-hand houses and first-hand houses, there will be different requirements for handling bank loans. How long can the second-hand housing loan come down? Second-hand housing loans will generally come down within 1 month, but this is not certain. Sometimes the bank's capital contraction will cause the bank to lend money for a longer time, depending on the bank you lend money to.

If the loan is normal, the loan will be released within one month. The loan process is as follows:

1. The buyer and the seller go to the bank to sign a loan contract.

The bank will approve it within one week.

3. If it is approved, both parties can go through the transfer formalities at the Housing Authority.

4. Then the Housing Authority will re-apply for a new property right certificate within 4 days.

Take the title certificate to the bank, and the bank will handle the mortgage loan within one week.

6. The general bank will lend money within 5 working days. After the bank lent money, the transaction was over.

How much can I borrow from a second-hand house loan?

1. Second-hand housing loans, we must first evaluate the price and age of the property, which are related to loans. Generally, it is a second-hand house with an age of over 15, and many banks will refuse loans. If there is no second-hand house above 15, 60% of the loan price should be no problem.

2. Second-hand housing loans and loan life are related to personal income. If the debt ratio does not exceed 50%, you can't choose the monthly repayment amount, which means that the monthly income of the buyers is 5000 yuan, so the monthly repayment amount should be within 2500. The amount and duration of the buyer's loan will be determined according to this standard.

Summary of the article: How long can the second-hand housing loan come down? Second-hand houses are different from first-hand houses, and applying for bank loans is different. Generally, the second-hand housing loan will come down within 1 month, but this is uncertain. Sometimes the bank's capital contraction will also lead to a longer time for banks to lend money, which depends on the situation of your borrowing bank.

How long can the second-hand housing loan be approved?

Compared with the new house, the second-hand house will have a mature community with complete facilities. So many people will choose second-hand houses, but the loans for second-hand houses will be more troublesome than new houses. At this time, some people have doubts about how long it will take to get the loan. Next, I will explain to you how long it takes to get a loan for the second-hand house transfer.

How long can the second-hand housing loan be approved?

Under normal circumstances, second-hand housing loans can be approved in about seven working days. The general process is as follows: the buyer and the seller negotiate the house price-bring all the materials to the building to sign a contract-the bank signs a loan contract-apply for a loan-bring all the materials to the housing management department to pay taxes and fees-obtain the property right certificate-find a bank loan officer to register the mortgage-and the bank withdraws the loan.

Materials needed by buyers and sellers in the transfer of second-hand houses

1. Application Form for Sales Registration of Real Estate Ownership Certificate;

2, the city real estate sales contract;

3, housing sales consultation notice (housing belongs to XXX with XXX or rent or housing reform);

4. Certificate of real estate license (if there are more than two persons, submit * * *);

5. Draw a floor plan (according to the number of applicants);

6. Identification certificates of the buyer and the seller;

7 "Housing sales contract for the needy" (housing for the needy);

7. Reply of land price evaluation (the real estate has not gone through the formalities of paid land transfer).

Where the party selling or buying the house is the unit, the following information shall also be provided:

1, copy of business license;

2. Power of attorney of the legal representative;

3, the legal representative and agent identification;

4, the relevant departments agreed to sell or buy proof.

The house provided by the seller is legal and can be traded on the market, 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.

Editor's summary: The above is the introduction of how long it takes to get a loan for the second-hand house transfer. Need to remind buyers and sellers, need to pay attention to clearly when signing the contract, need to prepare sufficient materials, pay more attention to many details. Beware of being cheated. Tax payment procedure

How long does it take for second-hand housing banks to lend money?

Buying a house with a loan has brought convenience to many property buyers with insufficient economic capacity. Buyers only need to prepare a down payment, and the rest can be paid by bank loans. Buyers only need to repay the monthly payment within the specified time, so how long will it take for the second-hand housing bank to lend money? Let's take a look with Bian Xiao.

First, how long does it take for second-hand housing banks to lend money?

It takes about 1 month for a second-hand house bank to lend money, because it takes a lot of time to buy a second-hand house and apply for a loan. It takes 1 day to sign a house sales contract, 1 day to apply for a bank loan, 3-5 days for real estate assessment, 5-7 days for loan approval, and 1 day for signing a loan contract and a house mortgage contract.

Second, what does the second-hand housing loan bank need to review?

1, natural conditions of the borrower

When a bank applies for a loan to buy a second-hand house, it will review the natural conditions of the borrower, including the borrower's name, age, occupation and other information, as well as the number of borrowers and the status of the second-hand house. Among them, applicants are required to be 18-65 years old, and 25-40 years old is relatively easy to be approved.

2, the borrower's solvency and guarantee

The borrower's solvency and guarantee ability are also the focus of bank audit. The first is solvency. The bank will audit the borrower's assets and income. , mainly to assess whether the borrower has repayment ability, and will comprehensively consider monthly income, annual household income, deposits, welfare, etc. The guarantee ability is generally to review the applicant's personal credit information. Generally speaking, applicants with good repayment habits will not be refused visas by banks.