1. Before handling the loan, the borrower needs to determine the mortgage service company with the intermediary, consult the mortgage service company for loan and determine the loan scheme.

2. Inquire about provident fund (if provident fund loans are needed)

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 sign a house sales contract. Due to the different requirements of the trading center, the houses in Jiang 'an, Jianghan, Qiaokou and Hongshan need to be transferred to the trading center in this area after the contract is signed.

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

After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount.

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Second, how to get the second-hand housing loan process?

1, check the house and sign the purchase contract. The first step in buying a second-hand house with a loan is of course to choose a house. Since it is a house, it is natural to look at the house and choose a house. Now that the house has been chosen, the next step is for buyers and sellers to negotiate the price. Once settled, you can sign a house purchase contract, and then go through the loan process. 2. Apply for a second-hand housing loan at the bank. Note that when the bank handles the second-hand housing loan, both the buyer and the seller should be present, and both parties should bring all the information. Take personal information with you when buying a house. When selling a house, you should also bring relevant real estate information. After filling in the second-hand housing loan application form, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house. 3. Institutional evaluation. You don't need to make an appointment in advance if you want to go to the designated appraisal institution where the house is located. Generally, the appraisal report can be issued in about three working days. Of course, you have to consult the appraisal office for the specific time limit. Note that when conducting institutional evaluation, it also involves a kind of cost, that is, the evaluation fee, which is generally paid by the buyers. 4. Bank audit. After submitting the loan application and evaluating the house, you can submit the relevant information to the bank and wait for the bank's review. Generally speaking, the bank calculates the loan amount according to the evaluation value of the evaluation agency. Of course, the premise must be that the bank has reviewed your loan qualification and passed it if it meets the conditions. 5. Property handover and transfer. After the bank audit, you need to pay the down payment to the seller. The next process is the handover and transfer of property. Generally, the property is handed over first, and then the transfer is made. On the day of transfer, the buyer and the seller can go to the real estate exchange and the bank staff to handle the transfer of property rights with the down payment certificate, the bank's mortgage application review commitment and other materials. Generally speaking, the transfer can be completed on the day of transfer, and the real estate title certificate can be obtained in about half a month. 6. Bank loans. After you get the property right certificate, you can go to the bank to mortgage the property. The bank will lend the money to your designated account, usually directly to the seller's account, and repay the mortgage on a monthly basis according to the contract. As a reminder, there may be insurance premiums or handling fees in the process of handling property right certificates, and different banks will be different.

Third, how to go to the second-hand housing loan process?

1, check the house and sign the purchase contract. The first step in buying a second-hand house with a loan is of course to choose a house. Since it is a house, it is natural to look at the house and choose a house. Now that the house has been chosen, the next step is for buyers and sellers to negotiate the price. Once settled, you can sign a house purchase contract, and then go through the loan process. 2. Apply for a second-hand housing loan at the bank. Note that when the bank handles the second-hand housing loan, both the buyer and the seller should be present, and both parties should bring all the information. Take personal information with you when buying a house. When selling a house, you should also bring relevant real estate information. After filling in the second-hand housing loan application form, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house. 3. Institutional evaluation. You don't need to make an appointment in advance if you want to go to the designated appraisal institution where the house is located. Generally, the appraisal report can be issued in about three working days. Of course, you have to consult the appraisal office for the specific time limit. Note that when conducting institutional evaluation, it also involves a kind of cost, that is, the evaluation fee, which is generally paid by the buyers. 4. Bank audit. After submitting the loan application and evaluating the house, you can submit the relevant information to the bank and wait for the bank's review. Generally speaking, the bank calculates the loan amount according to the evaluation value of the evaluation agency. Of course, the premise must be that the bank has reviewed your loan qualification and passed it if it meets the conditions. 5. Property handover and transfer. After the bank audit, you need to pay the down payment to the seller. The next process is the handover and transfer of property. Generally, the property is handed over first, and then the transfer is made. On the day of transfer, the buyer and the seller can go to the real estate exchange and the bank staff to handle the transfer of property rights with the down payment certificate, the bank's mortgage application review commitment and other materials. Generally speaking, the transfer can be completed on the day of transfer, and the real estate title certificate can be obtained in about half a month. 6. Bank loans. After you get the property right certificate, you can go to the bank to mortgage the property. The bank will lend the money to your designated account, usually directly to the seller's account, and repay the mortgage on a monthly basis according to the contract. As a reminder, there may be insurance premiums or handling fees in the process of handling property right certificates, and different banks will be different.

4. What are the procedures for buying a second-hand house with a loan?

Sure! Apply directly to the local bank mortgage department with ID card, marriage certificate, house purchase contract, down payment receipt or invoice, income certificate of the purchaser and sales statement of the house owner! China Construction Bank's telephone number 95533 was changed to manual!