Don't panic about this situation. If you are really in a hurry, you can go to the bank to hurry, relax and wait slowly. It is normal for a bank to have no limit at a certain time. If you can find a bank relationship, see if you can bend the rules and lend money as soon as possible. Generally, state-owned banks have little problem. If they delay the loan for various reasons, they can expose it through the media and even sue.

Second-hand housing loan refers to the loan business in which the buyer applies for a loan from the bank with the buildings traded in the second-hand housing market as collateral to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Loan amount: the loan amount is not higher than a certain proportion of the actual transaction price of real estate and the evaluation price approved by the bank. The specific proportion is determined by the local bank branch according to the national housing credit policy and the credit status of the loan applicant.

Fold and edit the repayment method of this paragraph.

(1) Equal principal and interest: repay the loan principal and interest at the same amount every month within the loan term.

⑵ Average capital: the monthly repayment principal remains unchanged during the loan period, 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 interest by equal principal and interest after the grace period.

Repay the loan principal and interest.

(4) Average cost in stages: repay the loan interest monthly during the grace period (up to 3 years), and repay the loan principal and interest by the method of average cost repayment after the grace period.

5. One-time repayment of principal and interest: one-time repayment of loan principal and interest at maturity (only applicable to loans with a term of one year or less).