Nowadays, many friends buy second-hand houses, and feel that the house price is not cheap, so they want to handle it through loans. If they buy second-hand houses through loans, we should pay attention. When choosing a regular bank, we should also pay attention to the loan handling process. So which banks can handle second-hand housing loans? What is the second-hand housing loan process? Let's take a look at the details of second-hand housing loans.

Which banks can handle second-hand housing loans?

General banks can handle second-hand housing loans, no matter which bank can do mortgage. CCB, ICBC, BOC and commercial banks are the main mortgage providers.

At present, China Merchants Bank does not do second-hand mortgage, and only banks can choose to do second-hand mortgage. However, considering the interest rate, banks with low discounts give priority to mortgage loans, but we should pay attention to whether the housing bank can evaluate whether the loan can achieve a 30% down payment for the first suite. So in fact, there are many choices, but we should judge according to our actual situation.

What is the second-hand housing loan process?

1. First, the lender needs to determine whether the house purchase is supported by the bank and whether it can operate the mortgage house purchase business. After the buyer confirms that the house can apply for mortgage loan, he/she will go to the loan bank to fill in the Application Form for House Mortgage and prepare the application materials.

2. Then, the lending institution receives the lender's application and arranges inspectors to inspect the lender. The lender needs to contact the partner evaluation agency of the lending institution, and the evaluation agency will evaluate the evaluation value of the house.

3. After that, after the lender is approved by the lending institution, the lending institution will contact the lender to sign the relevant agreement and go through the relevant formalities.

4. Finally, the lender will transfer the money into the account specified in the contract according to the loan contract, and the lender will begin to perform the repayment obligation.

For the handling of second-hand housing loans, we should pay attention to the handling method, the lender should determine the property rights of the house, and at the same time pay attention to applying to formal lending institutions. The above is about which banks can handle second-hand housing loans, and how the second-hand housing loan process is introduced. Be prepared to make a second-hand housing loan.