The specific transfer procedures for buying and selling second-hand houses and handling mortgage loans are as follows: 1. Submit the materials and apply on 1 day, and the buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation. 2. Day 2-7 Evaluation According to the agreed time, the real estate appraisal agency will go to the housing management office for evaluation. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee. 3.8-10, the bank approved the qualification of the loan applicant. After meeting the requirements, the bank will approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days. 4. Pay the down payment on11-33. After the transfer is passed, the buyer will pay the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days. 5. Complete mortgage registration and insurance procedures from 34th to 35th. After the bank loan buyer gets the real estate license, he completes the mortgage registration and insurance, and the insurance premium is about 2000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

Can I apply for a bank loan after the second-hand house is transferred?

You can apply for a bank loan after the second-hand house is transferred.

Because second-hand housing can only be mortgaged if there is a loan.

First, the second-hand housing mortgage loan refers to the time when an individual buys a house or a commercial house, and the seller has a house property certificate and can trade in the market.

Second, the second-hand housing mortgage loan process

Sign a contract for the sale of real estate → submit a loan application → investigate and approve the loan by the bank → implement the loan guarantee → handle the property transfer → sign a loan contract → issue the loan by the bank → repay the loan on a monthly basis.

Extended data:

The buyers and sellers of real estate put into use in accordance with the provisions on house transfer and transfer shall sign real estate sales contracts. The text of the contract can be a model text formulated by the Housing and Land Administration Bureau or a self-made contract.

If a self-made contract is adopted, the parties concerned shall entrust a legal service institution recognized by the Municipal Real Estate Bureau to conduct pre-trial before applying for transfer, and the legal service institution shall put forward pre-qualified opinions on the self-made contract that meets the requirements.

City, district and county real estate transaction management institutions shall, after accepting the application for transfer, review the application materials provided by the buyer and the seller, and the contents of the review are as follows:

1. Whether the materials provided by the parties are legal and valid;

Two, the contents of the application form and the materials provided are consistent and correct;

Three, whether the real estate ownership is clear, whether there is a phenomenon of unclear ownership or other rights, whether it belongs to the scope of the "real estate transfer measures";

4. Whether the transferee can transfer the real estate according to the regulations;

5. Whether the purchased real estate has been mortgaged;

Six, the sale of leased real estate, whether the lessee gives up the preemptive right;

Seven, the sale of real estate owned by * * *, * * whether someone gave up the preemptive right;

Eight, the real estate transaction management institutions that other contents should be audited.

If the buyer and the seller are not satisfied with the decision made by the city, district and county real estate transaction management agencies not to transfer ownership, they may apply to the Municipal Real Estate Bureau for administrative reconsideration or directly to the people.