If you want to apply for a second-hand housing loan, both buyers and sellers need to bring their own documents to the bank to fill out the application form. On the day of application, the relevant staff will make a preliminary evaluation of the relevant materials and application forms, and give the approximate amount and repayment period. If both owners are satisfied, the bank will have a designated evaluation agency to evaluate the house.

2. Housing evaluation (about 7 days)

After the three parties (the seller, the buyer and the bank) agree on the time, the appraisal agency will conduct on-the-spot investigation to evaluate the service life, location and appreciation space of the house. The evaluation time is not long, but the time to issue the report depends on the situation, and it can be completed in one week at the longest. It should be noted that the evaluation price should be the responsibility of both parties to the transaction, and the specific price should be determined according to the type of evaluation and the size of the house area.

3. Bank approval (about 3-5 days)

The bank will review the materials submitted by the applicant, not only the authenticity of the materials, but also whether they meet the loan conditions. If it meets the requirements, the bank will mortgage according to the price given by the appraisal company and the actual situation of the lender, and set the repayment period.

4. Pay the down payment and handle the transfer (about 30 days)

After the buyer's loan is handled, it is necessary to pay the down payment to the seller within a certain period of time, and then both parties will go to the local housing authority to handle the transfer. Pay attention to bring relevant documents, including the identity certificates of both parties, the down payment certificate and the relevant materials for loan review. Under normal circumstances, it only takes one day to transfer ownership, but it takes about a month to buy a house and get a real estate license.

5. Go through the mortgage registration and insurance procedures and get a loan from the bank (about 10 days).

After buying a house and obtaining a real estate license, both parties need to go through mortgage registration and related insurance procedures at the Housing Authority. Finally, you have to open a special account in the bank to facilitate repayment after buying a house.

Editor's summary: the transfer process of second-hand housing loans ends here. I hope it helps you. If you want to know more, please follow Qijia. com。