It depends on whether the loan amount was agreed at that time. After the bank is approved, both parties can go to the housing exchange for transfer. After the transfer, you can take out the new real estate license every other working day, and you can mortgage the house the next day. Then take out the real estate license every other working day and return it to the bank, just waiting for the bank to lend money. Legal basis: Article 36 of People's Republic of China (PRC) Urban Real Estate Management Law states that when real estate is transferred or mortgaged, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law. Article 62 When a real estate is mortgaged, it shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.

The second-hand house was given a down payment. The loan was approved. The next process.

The approval of bank loans depends on whether it is the agreed loan amount at that time. Because some banks apply for, say, 300,000 yuan, and the approval is 290,000 yuan or 280,000 yuan, this situation is relatively rare, but we should also pay attention to it.

After the bank is approved, both parties can go to the housing exchange for transfer. After the transfer, you can take out a new real estate license every other working day, and you can mortgage the house the next day. Then take out the real estate license every other working day and return it to the bank, just waiting for the bank to lend money.

After receiving the new real estate license, the next steps are mainly divided into two categories:

First, the loan category: take the new real estate license to the bank to register the loan mortgage, and then the bank will approve the loan. At the same time, go to the residential property management office to hand over the house with the original owner. The main job is to settle the property management fees, utilities and so on left by the original owners. In addition, you need to change your name to the local power supply bureau.

2. No loan is required: go directly to the residential property management office with the original owner to hand over the house. The main job is to settle the property management fees and utilities left by the original owners. In addition, you need to change your name to the local power supply bureau.

Extended data:

Second-hand housing loan repayment method:

1. Equal principal and interest: within the loan term, the loan principal and interest shall be repaid in equal amount every month.

2. Average capital: the monthly repayment principal remains unchanged during the loan term, and the interest is calculated according to the remaining principal of the previous month.

3. Equal principal and interest by installment: repay the loan interest monthly within the grace period (up to 3 years), and repay the loan principal and interest by equal principal and interest repayment after the grace period.

4. Staged average capital: repay the loan interest on a monthly basis within the grace period of the loan (up to 3 years), and repay the loan principal and interest according to the repayment method of average capital after the grace period.

5. One-time repayment of principal and interest: one-time repayment of loan principal and interest at maturity (limited to loans within one year).