When purchasing a second-hand house, those who need to transfer a mortgage must follow the steps step by step so that the transfer can be completed smoothly. So what is the process for second-hand house mortgage transfer? What information is needed for second-hand house mortgage transfer? Let’s take a look with the editor below!

What is the second-hand house mortgage transfer process:

1. The buyer and seller go to the bank, fill in the loan application form, and submit relevant materials to the bank for review, giving an approximate amount and period of time.

2. Arrange a time with the third party to go to the designated real estate appraisal agency for property appraisal. After the appraisal is completed, the appraisal agency will present the appraisal report to the bank. This stage will take about 3-5 working days.

3. The bank reviews the qualifications of the lender, and then approves the loan amount and term based on the appraised price of the house. The approval time generally takes about 5 working days.

4. After passing the review, the home buyer must pay the down payment for the house to the seller. Then the buyer and seller and bank staff will go to the housing management bureau together to review the down payment certificate and mortgage application. Promise and other materials to handle the transfer of property rights. The transfer can be completed on the same day, and the certificate can be obtained in 20 working days.

5. After the buyer receives the real estate certificate, he can start to apply for real estate mortgage registration and insurance. The insurance premium is about 2,000 yuan.

6. Then go to the bank to handle the loan issuance procedures. The bank will deposit the money into the seller's account within the agreed time, and the buyer will begin to repay the loan according to the contract.

What information is needed for second-hand house mortgage transfer:

1. Information that the buyer needs to provide

ID card, temporary residence permit, household register, marriage certificate, income certificate or Proof of solvency, a copy of the business license stamped with the official seal of the employer, educational certificates, current passbook of the applicant's loan bank, and other materials required by the bank.

2. Information that the seller needs to provide

ID card, temporary residence permit, household register, marriage certificate, spouse, proof that someone agrees to sell, house property ownership certificate, sale of purchased public house , central delivery housing, affordable housing, and relocation housing must provide the original house purchase contract, agreement and relevant approval documents.

Article summary: Okay, that’s all the relevant knowledge about what is the second-hand house mortgage transfer process and what information is needed for second-hand house mortgage transfer. Friends who need to know more information, please continue to pay attention. Qijia.com, we will have more exciting content for you in the future.