The problem of buying a second-hand house: I am a buyer, and the intermediary asked me to transfer the ownership first and then borrow money. Will my down payment be wasted if I transfer the ownership first and not approve the loan later? 1. If you want a loan, please consult the loan bank first. Since you have a loan, it is more troublesome to approve it under the current loan restriction. Don't operate until you are sure.

It seems that your brother has a problem buying a house. You are the guarantor and borrow money in your name.

3. At present, all cities in China have basically implemented the policy of online contract signing and transaction fund supervision. The premise of transfer is that all funds (including down payment, loan and deposit) can go to the supervision account, so we must make clear the policy. As far as you're concerned, it's estimated that you haven't implemented online contract signing and transaction fund supervision in your local area. Be sure to understand the policy so as not to hinder the transfer.

4. The intermediary said that the loan should be cautious after the transfer, and no owner will cooperate with you in the transfer without receiving the house payment. If possible, it should also be based on a perfect contract.

If you (including your brother) can't get the loan, you can find an advance company to make an advance. After the owner gets the full amount to cooperate with your transfer, we will discuss the repayment of advance payment in the form of mortgage loan.

6. Please carefully consider and understand the above suggestions before operation, so as not to block the transaction.