1. Look at the house and sign the purchase contract. 2. Conduct real estate appraisal. 3. Apply for a loan from the bank. 5. Submit a transfer application. 6. apply for a real estate license. 7. According to the repayment method, the repayment method of bank loans can be divided into two types: equal principal and interest repayment and equal principal repayment. Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income. The repayment method of equal principal is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large amount of principal in the early stage, the amount of repayment in the early stage is large, and then it is decreasing every month. The advantage of this method is that the early repayment amount is large, which reduces interest expenses and is more suitable for families with strong repayment ability. Equal principal and interest repayment method is also called monthly average repayment method. The repayment speed of the principal is slow, and the repayment pressure is light, at the cost of overpaying the total interest. Compared with the repayment method in average capital, the total interest difference is not obvious in the short and medium term (1-5 years), but only different in the long term (20-30 years). Whether equal principal repayment is equal principal repayment or not, the calculation method of interest in each period is the same, which is equal to the remaining principal multiplied by the monthly interest rate. What repayment method to choose depends on the individual's repayment ability. Don't choose the principal repayment method just because the total interest paid is small. In practice, many people still choose the repayment method of equal principal and interest. Application conditions for housing loan (provident fund loan) Application conditions: (1) Hold valid identification; (2) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. (3) Persons who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the housing provident fund has been continuously paid for at least 6 months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing housing loans. (4) One of the husband and wife has applied for housing provident fund loans, and neither husband nor wife can obtain housing provident fund loans again before paying off the principal and interest of the loans. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. (5) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. That is, when applying for housing provident fund loans, applicants are generally required to have no large loans, such as outstanding housing commercial loans and auto loans.

Second, the second-hand housing loan process

Second-hand housing loan refers to the loan business in which the buyer uses the house traded in the secondary housing market as collateral, applies for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments. Let me introduce the process of second-hand housing loan to you, hoping it will be useful to all friends who buy a house: 1. Make an appointment with a bank loan specialist. 3. Make an appointment for face-to-face signing (signing a loan contract), and fill in the materials needed by the bank after the face-to-face signing. (Personal materials, ID card, household registration book, marriage certificate (not required for singles) Foreigners need to provide temporary residence permits in this city, and foreign households need to provide social security and tax payment certificates. Bank running water or large bank deposit, income certificate (income certificate needs to be more than 2 times of your bank loan monthly deposit), a copy of the company's business license with official seal, and education certificate (provided by college or above). 4. After the materials are submitted completely, wait for the bank to approve the loan. 5. After the bank approves the loan, the Construction Committee will transfer the new real estate license. 6. The Construction Committee will issue an application form for mortgage registration. 7. Prepare mortgage registration materials. 8. Go to the Construction Committee for mortgage registration and issue his right certificate. Property ownership certificate and other rights are being submitted to the bank. After 9.3-4 working days, the bank will lend money 10. About a month later, I will go to the bank to get the real estate license and the bank loan contract.

Third, 202 1 Hefei second-hand housing commercial loan process?

Second-hand housing commercial loan is a loan that an individual pays a certain down payment when buying a house or commercial house that the seller has a real estate license and can trade in the market, and the rest is applied to the bank with the property to be purchased as collateral.

Second-hand housing commercial loan application process:

1, prepare data. Prepare the materials needed for commercial loans of second-hand houses.

2. Qualification examination of house purchase. At present, many cities have implemented the purchase restriction policy, suspending the sale of houses for families who already own houses that meet or exceed the purchase restriction, so it is necessary to conduct qualification examination when buying a house.

3. Online signing. That is, the relevant terms of the stock house sales contract are entered online in the signing system of the Housing Construction Committee, and the contract is filed.

4. evaluation. Generally, the appraisal company recognized by the loan bank makes the appraisal value according to the location and completion year of the house.

5. Sign the contract face to face. When signing the loan contract on the day of face-to-face signing, the seller needs to cooperate with the bank to inquire about personal credit. When signing a sales contract, you need to prepare: ID card, household registration book, real estate license and other materials. After face-to-face signing, the bank will issue a loan letter within 7- 10 working days.

6. Pay taxes. At present, the general tax payment business needs to make an appointment through online pre-examination, and the application can be made after online signing, and the validity period is 30 natural days.

7. transfer. If the buyer and seller cannot be present, they need to provide notarized power of attorney.

8. Mortgage registration. After the house is transferred, you need to go to the Housing Construction Committee for mortgage registration. After the mortgage registration is completed, the Construction Committee will issue other warrants for the bank and stamp the mortgage registration stamp on the buyer's house ownership certificate.

9. Bank loans. After completing the relevant procedures, the loan bank will transfer the loan to the deposit account opened by the seller in the loan bank in one lump sum or in installments according to the loan contract. After the bank lends money, the borrower needs to start repayment, and should carefully check the repayment date of the bank and the repayment bank to avoid overdue.

Second-hand housing commercial loan application conditions:

1, a natural person with full capacity for civil conduct, aged between 18 and 65;

2. Have a legal and valid identity certificate;

3, with a good credit record, a stable source of income and the ability to repay the loan principal and interest in full and on time;

4. Have a contract to buy a house;

5. It has an effective guarantee recognized by the lender;

6. The seller has the right to dispose of the purchased house according to law, and the purchased house has the property ownership certificate;

7. If the property right of the house * * * exists, there must be a certificate of consent to transfer issued by the owner of the house property right * * *;

8. Other conditions stipulated by the bank.

4. What are the steps of second-hand housing transfer and provident fund loan?

1, the buyer and the seller have chosen to go through the relevant formalities and register, and pay the down payment. Contract processing is a prerequisite.

2. After the formalities are completed, the intermediary company will continue. The loan application time is relatively strict, and the time is mostly half a month. Of course, every region is different. Finally, after bank review, the account is approved.

3. According to the requirements of property right transfer registration, the required information should be prepared when handling the transfer.

4. The people of the intermediary company go to the trading bureau to go through the tax verification procedures, and the local taxation bureau issues tax receipts.

5. Then go back to the trading center, get the receipt and all the documents needed for the transfer of ownership between the two parties, fill in the application for registration of house ownership transfer, receive the acceptance notice, and make up the stamp duty of the house at the same time.

6.20 working days later (the time may be different in each region), go to the trading center to get the real estate license. At this time, the bank will also issue a notice that the buyer is ready to start mortgage payment. Second, the housing provident fund loan process.

1. loan application: the borrower submits a loan application to the management center and provides the required information.

2. Loan acceptance: The management center will review the loan information and interview the applicant, and accept the borrower's decision to approve or disapprove the loan within working days.

3. Signing a contract: The borrower and spouse sign a loan guarantee contract at the entrusted bank.

4. Loan issuance: After the loan contract comes into effect, the entrusted bank will transfer the loan amount to the bank deposit account of the borrower of the house sales order (second-hand house,). Proof materials to be provided

1, borrower and spouse, real estate and two copies.

2. The original ID card of the borrower, spouse and property owner.

3. The original and three copies of the title certificate of the borrower and the house. The original and photocopy of the unmarried certificate of the borrower and the property, two copies of the marriage certificate and two copies of the divorce agreement; If the borrower is widowed, provide the original and two copies of the certificate of non-remarriage.

The borrower's income certificate is in duplicate.

5.5438 After June +2002 10, if one or both of the husband and wife paid the housing provident fund in counties (cities) of Lishui City or paid it in counties (cities), they should provide the original and photocopy of the "Lishui City Housing Provident Fund Cross-county Loan Certificate" issued by the county (heart).

6. Two copies of the borrower's passbook or savings card in the loan bank.