In the case that it is determined that the loan can be made.

1, how much did you tell agent d to borrow? 2. Lend money to teenagers.

When you go to get a loan, the account manager will receive you. You can take the phone number of the account manager with you for contact.

1. The bank will issue mortgage property certificate, loan certificate and repayment plan. After getting the plan, there is interest rate and monthly repayment amount on it. (Let the intermediary tell you the monthly repayment amount formed by the interest rate and loan time)

Generally speaking, as long as it is a house approved by the bank, the bank will not cheat you, but you can show the real estate license according to the actual evidence. They also show the mortgage certificate according to the rules and pay you back when the money is paid off.

Pay special attention to let the intermediary handle all your formalities, and don't leave it alone after giving you a loan.

Second, the loan to buy a second-hand house all the detailed process

Subjectivity of law: what is the process of buying a second-hand house with a loan? What are the precautions for buying a second-hand house with a loan? The process of buying a second-hand house with a loan is 1. The buyer should investigate and verify the integrity, authenticity and reliability of the property right of the house, and pay attention to whether the owner's name on the property right certificate is consistent with that of the seller, whether it is mortgaged or occupied. This is the most critical for the buyer, otherwise everything that is done later may be in vain. 2. Sign a contract for the sale of second-hand houses. The buyer and the seller discuss the house price, payment method, liability for breach of contract and delivery time, and agree on the deposit. Buyers and sellers can download the format contract text from the relevant website of the housing management department, or go to the intermediary company to ask for the contract text. Generally speaking, it takes 5~7 working days to find an appraisal company to make an appraisal. 4. The house to be loaned shall handle relevant mortgage business. If it is a combination of provident fund loans and commercial loans, you must apply to the provident fund center and the bank at the same time. This is the most time-consuming stage in the whole process of second-hand housing, which usually takes about 40 working days. 5. After handling the mortgage, we should pay attention to the cancellation of other warrants of the property. 6. Submit the contract to the relevant service window of the property rights trading center of the housing management department and take the acceptance form. 7. Pay relevant taxes and fees at the agricultural tax center with the acceptance form, and get the tax payment contract certificate. 8. With the tax contract certificate, go to the housing management department to handle the real estate license. 9. With the tax payment deed certificate, go to the land management department to handle the land certificate. In the process of buying and selling second-hand houses, the following provisions must be observed: 1. Before buying and selling second-hand houses, the real identity of the owner must be confirmed. Before signing a contract, buyers and sellers should first check the authenticity of the signing subject, mainly to verify the identity of the owner. Therefore, the authenticity of the owner's certificate and its consistency with the owner's identity are the prerequisites for signing a sales contract, especially when the buyer and the seller conduct their own transactions without the intermediary guarantee of a third party, which needs to be paid attention to by both buyers and sellers. 2. When signing the second-hand house sales contract, it is necessary to clarify the liabilities of both parties for breach of contract. The proportion of liquidated damages in the second-hand housing sales contract is clearly stipulated in the terms, but there is no specific agreement on the payment time, which will cause the defaulting party to delay the payment time accordingly and reduce the actual binding force and execution of the terms. Therefore, the clause that "the buyer shall pay the seller (the buyer) liquidated damages within _ _ days from the actual payment date (the actual delivery date of the seller)" should be added in the contract to ensure the final implementation of the contract terms. 3. Time of payment and transfer must be indicated. Many transactions in the sale of second-hand houses are not one-time payment, but installment payment. Therefore, the seller needs to specify the buyer's payment time, and the payment time of the final payment depends on the date of property transfer, so the buyer has the right to know the time of property transfer. Overdue, the breaching party should implement the liability for breach of contract in the housing sales contract according to the actual situation. 4. The handover time of second-hand housing related expenses must be indicated. This is a subsidiary issue of the house itself that the buyer should pay attention to, and it is an important clause in "house delivery". The delivery date of water, electricity, gas, property, heating and other expenses must be indicated. Because a clear handover time is the key to a clear division of responsibilities, at the same time, if it is a public housing transaction, the payment time and standard of property, heating and other expenses, whether the original owner unit has established requirements and changes, the cooperation that the seller needs to do, and the agreement that the buyer needs to sign must be clear in the contract. When signing a contract with an intermediary company, you must have a detailed list of agency fees. With the continuous improvement of the intermediary market, consumers gradually realize that a reputable brokerage company can effectively protect the rights and interests of buyers and sellers. The proportion of second-hand houses traded by brokerage companies is increasing year by year, so the agency fees of brokerage companies are getting more and more attention from consumers. When signing the contract, the buyer and the seller must ask the brokerage company to clearly explain the purpose of the agency fee. 6. To buy a house through an intermediary company, it is necessary to ask the brokerage company to meet the owner before launching the "acquisition" business. Therefore, there is an illegal operation of "selling more in one room", that is, after receiving the deposit from one customer, the brokerage company will also take other customers to see the house, and finally the highest bidder will sell it to him, even if he breaks the contract with the first customer. The reason is often that the landlord does not sell and other brokerage companies' exemption clauses, that is, the brokerage company does not have to bear any liability for breach of contract, and the consumers who have paid the deposit can only submit to humiliation. Therefore, this newspaper reminds consumers that at this time, you should exercise your right to ask for an appointment with the owner for face-to-face verification, which will expose his misconduct. 7. You must learn to use the supplementary agreement. When signing a contract, if the terms of the contract are not clear or need to be further agreed, the buyer and the seller should fill in additional terms after the relevant terms of the contract or in the blank line after the contract, so as to reduce the inconvenience and trouble caused by ambiguous meaning in the subsequent stage. Note: it's not just the second home loan that is harsh now. In fact, many banks have stopped second-hand housing loans, and the remaining banks have also set a "threshold" for second-hand housing loans. Owners who intend to buy a second-hand house in the near future must first understand the details of the bank loan policy before buying a house, and cleverly avoid the minefield, so as not to sign a contract and get a loan.

3. I plan to buy a second-hand house in the intermediary and need a loan. What is the specific process?

First of all, due to the particularity of second-hand housing transactions, banks generally designate loan guarantee companies to provide services, and guarantee companies generally charge handling fees and guarantee fees.

The basic operation process of buying a second-hand house and mortgage loan transaction.

1 The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract.

Eligible property buyers apply for loans from loan banks and provide relevant certification materials.

3 The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank for house appraisal.

The loan bank shall examine and approve the loan and notify the loan applicant whether to agree to the loan.

5. The buyer and the seller handle the formalities of property right transfer.

6. The purchaser signs a second-hand housing mortgage loan contract with the loan bank.

7. The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration.

Repay on time after the loan contract comes into effect.

Information needed for second-hand housing loan (buyer)

1 Original and photocopy of ID cards of both husband and wife.

Proof of marital status: marriage certificate, divorce certificate, or original and photocopy of unmarried certificate.

Original and photocopy of household registration book

Original credit certificate (using the standard format provided by personal loan center)

4. I plan to buy a second-hand house in the intermediary and need a loan. What is the specific process?

Your question is too vague! Instead, I feel that you and the intermediary have complicated simple things. If his landlord's house is still mortgaged and the real estate license is still in the bank, it means that the bank will give you a confirmation letter when you say the real estate license. Be sure to keep it well and don't lose it. Then go to the real estate bureau to make a deed of transfer. If you want a loan, you must first transfer the property to your name, and then sign a mortgage contract with the bank! I am engaged in the sale of new real estate houses and have a certain understanding of second-hand houses. Buying a second-hand house is not looking for an intermediary. At present, most intermediary companies charge two-way fees (both buyers and sellers charge 2% or 1.5% of the house price). Even if you are willing to pay the landlord, it is the internet age now. Most people (landlords) choose online consultation. The transaction process of second-hand housing is actually very simple, which is nothing more than the most important real estate license. They make a deed of transfer. These transactions are conducted through intermediaries, but there are a few more errands in the intermediary. Security: 1. The original property certificate of the landlord is more important. The premises bureau is safer. Anyone who buys a house must go through him. 3. It is foolproof to follow the formal process stated by the Real Estate Bureau.