How long does the second-hand housing loan take?
It takes about 30-50 days from lending to lending. Second-hand housing loan process is as follows:
1. 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 the 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. After the three parties agree on the time, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house.
2. According to the agreed time, the real estate appraisal agency will go to the Property Office for appraisal. 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.
3. Banks should examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and loan term according to the assessed house price and comprehensive lender qualification. The approval process usually takes about 5 working days.
4. After approval, the buyer shall 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. After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 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.
What is the process of second-hand housing mortgage loan?
1. Determine the mortgage service company and loan scheme. Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan.
2. Inquire about provident fund (if individuals need provident fund loans). After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.
3. Sign a house sales contract. The borrower and the seller must sign a house sales contract.
4. Prepare loan information and review loan eligibility. The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.
5. Sign loan agreement, notarization and insurance. The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees.
6. Handle the house transfer and mortgage procedures. The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.
7. Apply for real estate license and mortgage certificate. After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank.
8. Bank loans. This is the ultimate goal and the last step of loan success. After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.
If you want to apply for a second-hand housing loan, you are advised to prepare relevant materials and certificates and apply according to specific procedures. The above is an introduction about the mortgage loan process of Takuwa second-hand house. When handling second-hand houses, you can also consult the local housing authority if you don't understand.