1. Look at the house and sign the house purchase contract

The first step in buying a house is to look at the house selection. Even if you buy a house with a loan, you need to go through this step. After purchasing a house, the next step is for the buyer and seller to negotiate the price. Once negotiated, the house purchase contract can be signed, and then the loan process begins.

2. Conduct real estate appraisal

Second-hand houses purchased with loans need to undergo real estate appraisal. Second-hand house property appraisal is a very important step. The main purpose of evaluating second-hand houses is to determine the needs of home buyers. For the down payment, under normal circumstances, you need to find an appraisal company for property appraisal. This process takes about 5 to 7 working days.

3. Apply for a loan from the bank

After the second-hand house evaluation, the home buyer needs to apply for a loan. There are several ways to get a second-hand house loan, including provident fund loans or commercial loans, but If you want to go to a bank to apply for a second-hand house loan, both the buyer and the seller must go to the site and bring all the information. Buying a house mainly brings personal information, and selling a house in addition to personal information also needs to bring relevant real estate information and fill in the After completing the second-hand house loan application form, the bank will contact the designated real estate appraisal agency to inspect the house for evaluation.

4. Bank review

After submitting the loan application, the home buyer needs to wait for the bank's review. When the home buyer submits the funds to the bank, the bank will review the information submitted by the home buyer. Review, generally speaking, banks calculate the loan amount based on the appraisal value of the appraisal agency. Of course, the premise must be that the bank has reviewed your loan qualifications and will only pass if you meet the conditions.

5. Submit a transfer application

After applying for a loan, if the home buyer has paid the down payment, he or she needs to submit an application for transfer. To handle the transfer, both the buyer and the seller need to be present at the same time. The buyer and seller need to apply to the real estate management department with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents. At the same time, they must declare the transaction price and obtain the acceptance form.

6. Apply for the real estate certificate

Before applying for the real estate certificate, the buyer also needs to pay relevant taxes and fees. After paying the real estate taxes and fees, both parties can start to apply for the real estate certificate. Real estate The management department will issue a new house title certificate to the home buyer, but both parties should go to the real estate management department to obtain the real estate title certificate according to the transfer procedures.

7. Bank loan

After the home buyer completes the transfer and obtains the real estate certificate, he can go to the bank to apply for a real estate mortgage. After applying for the real estate mortgage, the bank will lend money to the purchaser. The account designated by the seller is usually directly transferred to the seller's account, and the monthly payment for the mortgage is carried out in accordance with the contract. It should be noted that there may be insurance fees or handling fees when receiving the real estate title certificate, which may vary from bank to bank.