After submitting a loan application to the bank, it can be evaluated. Evaluation report is the premise for banks to accept loans.

Second, how long does it take to buy a second-hand house to evaluate the loan?

Lending usually takes 40-50 working days.

The basic process of mortgage loan is as follows:

On-the-spot house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the houses applying for mortgage loans to conduct on-the-spot house inspection;

Property right verification; The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;

Signing: the bank carefully checks and verifies the original information of customers, authenticates the authenticity of all the signatories, supervises the signature of customers, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

Fill in the contract: the bank sorts out the information and fills in the contract according to the relevant information provided by the customer;

Payment obligation: after the bank has passed the pre-examination, notify the customer to pay the fee;

Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank;

Bank loan.

3. How long does it take for CCB to approve the second-hand housing loan?

It takes about two weeks to approve the second-hand housing loan of CCB, and about one month to approve the loan.

Matters needing attention in purchasing second-hand unit fund-raising house:

First, clear property rights.

Whether the owner on the property certificate is consistent with the seller; Find out the nature of the house for sale;

second-hand house

Whether the area confirmed on the real estate license is consistent with the actual area; Verify the legality and authenticity of the property right certificate;

Second, the integrity of property rights.

Confirming the integrity of property rights is to judge whether the property is mortgaged, including private mortgage? * * * Someone is waiting. In order to avoid unnecessary disputes after the transfer;

Third, the quality of housing.

Observe the structure, architecture and decoration materials of the house. See if there are any changes in the internal and external structure of the house; Whether there is a private construction part; Whether it is occupying corridors or balconies. ; It involves how to calculate the balcony area;

Fourth, living space.

Observe whether the internal structure of the house is reasonable; Whether it is suitable for living; The size of the activity space, etc.

Verb (abbreviation of verb) decorative configuration

Look at the level and degree of the original house decoration; Confirm whether the power supply facilities, gas supply pipelines and water pipes of the house are aging; Whether the installation of telephone lines and broadband is complete;

Intransitive verb property management

Understand the price and payment method of water, electricity, coal and heating in this area, whether it is collected at home or paid by yourself; Observe whether the elevator can be used normally; Understand the basic situation of parking lot and community greening in this area; How about the local public security level, observe whether the security guards have a sense of responsibility and so on.

Seven. Housing history

Understand when the house was built and how long the land use period is; Who has lived there and what is the use; There is also the local credit status of the indigenous residents; Whether there are unpaid property fees, utilities, etc. ;

Eight. Neighborhood situation

Neighborhood relationship is an important factor affecting living comfort. Before buying a house, you should visit your neighbors up and down to understand their living conditions here; Chat with the staff on duty in the neighborhood Committee and the reception office to understand the situation;

Nine, the value of the house

Judge the value of the house through repeated comparison of power amplifiers in the market; Entrust a credible intermediary company to evaluate the value; When banks provide mortgages, they will make a value assessment, which can be regarded as the lowest value of the house;

X. loan terms

Second-hand housing loans have specific requirements. Specific to the relevant provisions of the provinces and cities where it is located;

XI。 transfer of property rights

We need to find a unit that both parties can trust, such as a reputable guarantee company, and then transfer the house payment to the seller's account after the transfer is completed.

4. When can the second-hand housing loan of CCB be released?

1. Please ask the banking regulatory bureau to coordinate with CCB to release the loan as soon as possible.

2. I hope that the banking regulatory bureau will be fair, just and transparent in queuing funds. Since we have signed a loan agreement with the borrower, we should make an evaluation of our bank inventory and give the borrower a loan period of more than 800 thousand, which makes the borrower's money change because the bank says there is no limit. "Is this fair? I believe there are many people like me now!

3. If the bank evaluates that there is no loan limit in the near future, please forbid it.