Second-hand mortgage: dealing with house purchase loan is one of the purchase procedures that many buyers need to face. Most property buyers know little about loans, so they waste their time in handling loans.

The first step: buy a house with clear property rights and choose a real estate transaction agency that can handle mortgage loan business to handle agency matters.

Step 2: The buyer and the seller must provide relevant information. Among them, the materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, proof of marital status, house purchase agreement signed by the buyer and the seller, income certificate of husband and wife (unit income certificate), other property certificates including deposit certificate and securities, and two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house sold, and proof of approval for listing.

Step 3: Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the house purchased. Attorney's fee.

Step 4: The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend.

Step 5: The buyer and the seller go to the real estate transaction management department of the real estate bureau where the house is located to handle the transfer procedures of the ownership of the house.

Step 6: After receiving the sales contract, send it to the bank, and the bank will transfer the money.

Step 7: Go to the Real Estate Bureau for mortgage registration, and the borrower will repay the interest on a monthly basis.

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Housing loan:

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Mortgage Baidu encyclopedia