Second-hand housing loan process
1. The buyer and the seller sign a house sales contract.
2. The buyer and the seller and the law firm sign the guarantee contract for the sub-mortgage transaction.
3. The buyer pays the down payment of 30% of the house price (according to the principle of lower transaction price and evaluation price, the evaluation is exempted within one year, subject to the original purchase price).
4. Letter of written consent of the seller's loan bank for one-time repayment in advance (including the principal and interest of the funds owed and the repayment account number).
5. The buyer applies for the second-hand house mortgage loan to the loan bank according to the above documents and personal credit information (submit the loan application, the lawyer will conduct preliminary examination and the bank will review it).
6. The seller actually delivers the house to the buyer.
7. After the bank passes the examination, it lends money and transfers money to the seller's bank.
8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages it to the buyer's loan bank.
9. The buyer's loan bank will pay 30% down payment to the seller.
Second-hand housing loan application conditions
1, a natural person with full capacity for civil conduct;
2. There is a certificate of permanent residence in the town or a household registration in this city;
3, at least half a year before applying for a loan, the city housing provident fund normal continuous payment;
4. At least 30% down payment is required.
5. Have a stable economic income and the ability to repay loans;
6. There are no large outstanding debts that may affect the loan repayment ability.
Second-hand housing mortgage loan application materials
Information to be provided by the buyer
1, ID card (husband and wife), temporary residence permit (migrant population)
2. Household registration book (both husband and wife)
3. The current passbook of the applicant's loan bank
4. Proof of income or solvency (unit)
5. Copy of business license stamped with the official seal of the employer (presented by the employer)
6. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)
7. Education certificate (college degree or above)
8. Other materials required by the bank.
Information to be provided by the seller
1, household registration book (both husband and wife)
2, ID card (both husband and wife), temporary residence permit (migrant population)
3. Real estate license
4. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)
5. Proof that the spouse and co-owner agree to sell (fixed format)
6. The original purchase contract, agreement and relevant approval documents shall be provided for the sale of purchased public houses, delivered houses in the center, affordable houses and relocated houses.
7. Other materials required by the bank.