Loan to buy a second-hand house. After the house is completed, the last loan is paid directly to the seller by the bank. After the bank pays the seller, the seller can take it out directly. Since the original contract collection account is owned by the seller, the bank loan is naturally paid directly to the seller.
But the bank won't lend you money directly. You must go through this process.
1. The specific process of buying a second-hand house with a loan is to sign a contract with the seller, pay the down payment, transfer the ownership to the real estate center, and get the certificate (pay the deed tax) three days later, and then both parties go to the bank to go through the relevant formalities. (Notary fee, information fee), the bank evaluates according to the evaluation price, signs a contract with the bank, then goes through the mortgage registration, obtains other entrustment from the bank, and finally makes a loan.
2. No matter whether it is a first-hand real estate loan or a second-hand housing loan, the bank will not remit all the house payment to the seller. Before the loan is approved, the bank needs the buyers to provide advance payment vouchers, such as 30%-50% of the house payment, receipts or invoices. The so-called second-hand housing loans, that is, houses sold by non-developers, are basically the same as first-hand houses, but the seller must first obtain the buyer's advance payment and obtain the loan approval before transferring the ownership.
1) The loan application process of buyers needs the cooperation of multiple institutions (including evaluation institutions, guarantee institutions, banks, etc.). ). Under normal circumstances, the bank requires customers to choose the corresponding guarantee service organization, and generally pays the house payment to the owner through the guarantee organization within 3-4 working days after the buyer and the seller complete the formalities. In the process of handling housing loans, it can be completed within 7 working days at the earliest, except for pre-assessment and bank approval time. Therefore, in the process of handling housing loans, we need to cooperate with various institutions, including the preparation of personal data and the signing of SOS procedures by the borrower, so as to ensure that the borrower can complete all procedures as soon as possible.
2) Second-hand housing mortgage loan refers to a loan that an individual buys a house or a commercial house with a house title certificate, trades in the market, pays a certain percentage of deposit and applies to a cooperative unit. The rest is mortgaged by the real estate to be purchased, and the loan amount shall not be higher than the lower of the actual transaction price of the real estate and the evaluation price recognized by the bank. The specific proportion is determined by the local postal savings bank branch. The role of national housing credit policy and the credit status of loan applicants.
Is the second-hand housing loan money for the owner or the loan bank?
Bank remittance to the designated account of Housing Authority. The money from the second-hand housing loan will not be directly transferred to the landlord by the bank, but will be remitted to the account designated by the Housing Authority. The account number of this housing authority is fixed, which mainly plays a supervisory role. Including the down payment, the user will not directly pay the down payment to the landlord, and it is also managed by the account designated by the Housing Authority.
Does the sale of second-hand houses need to be transferred first and then loaned? According to Article 7 of the Regulations on the Administration of Urban Real Estate Transfer, the loan shall be transferred first. If it is a one-time payment, you need to pay attention to the safety of funds, try to put the payment of the house payment after the transfer of property rights, or you can apply for the payment of the house payment in the form of custody to minimize the risk.
The specific process of buying and selling second-hand houses
1. The buyer and seller of second-hand houses sign a house sales contract, which stipulates that the buyer will pay the house price, down payment and loan ratio by means of second-hand house loan.
2. The buyers and sellers of second-hand houses print the real estate sales agreement in the real estate trading market of the districts and counties where the houses are located, and at the same time, the buyers and sellers sign the Agreement on the Collection and Remittance of Private Property Houses at the local Housing Authority site to clarify the entrustment relationship of the collection and remittance of transaction funds;
3. Due to the particularity of second-hand houses, buyers need to find an evaluation company to evaluate the purchased property first. Banks will take the lower of the transaction price and the evaluation price as the basis for lending.
4. The second-hand house buyer deposits the down payment in the loan bank with the Agreement on Collection and Remittance of Private Property Houses, and obtains the deposit certificate of the down payment. At the same time, he can apply for a second-hand house loan from the bank and submit all loan application materials;
5. After the approval of the bank, the buyer signs a loan contract with the bank, and the bank informs the seller that it can lend money;
6. Finally, when handling the transfer of second-hand houses, the buyers and sellers should go through the transfer formalities with the real estate bureau with the original and photocopy of the real estate license, the sales contract and photocopy, and the ID cards of the buyers and sellers, and the old land certificate should go through the replacement formalities with the Land Bureau.
How many days does it take to approve the second-hand housing loan? Generally, it is 15-50 working days, depending on the relationship with the bank credit department. If you know each other, the relationship is good, and it is not impossible to approve it in one day. Under normal circumstances, the approval will have the result within 7- 15 working days. At the end of the year, banks are tightening their loans. Take our place as an example, it takes about one month for approval.
How long does it take for CCB to transfer the second-hand housing loan from the buyer's card to the seller's card?
Second-hand housing loans will generally be transferred to the account designated by the seller within 5- 10 working days after the transfer of ownership between the buyer and the seller.
One, five to ten days or so.
After the transfer of second-hand houses, banks have to apply for mortgage registration of real estate licenses, and the transaction volume of second-hand housing loans varies from place to place, which leads to different bank mortgage registration speeds, and it is possible to lend money quickly or slowly. Lending is only a matter of time, please wait patiently.
Second, bank loans.
Mainly the time of bank formalities. Individuals apply for direct customer loans, and general banks will lend money after seeing the real estate license mortgage. It's hard to say that it will take a long time. Generally, large brokerage companies will lend money as soon as they see taxes, that is, banks will lend money as soon as they see deed tax tickets, and it usually takes 3 working days to arrive.
Bank lending refers to a kind of credit activity in which banks provide monetary funds to people in need at a certain interest rate on the condition that they must return them.
1, bank loan
Loan is the main asset of a bank, the main channel of capital utilization, the main way of profit and the focus of bank operation. Bank lending should consider safety, profitability and liquidity to ensure its normal operation and maintain high returns. Therefore, determining a reasonable loan scale and structure has become an important task of bank asset management.
2、
It solves the contradiction between idle and insufficient social funds, makes effective and full use of social funds, and will play a beneficial role in promoting the establishment and development of socialist market economy. Bank loans should conform to the national industrial policy, strictly implement the national interest rate policy, and accept the supervision of financial management agencies and relevant departments. Follow the principles of planned loan management, material guarantee, timely repayment, "differential treatment, preferential support", "evaluation (adjustment) first, loan commitment later" and economic benefits. The principle of economic benefit is the basic principle that banks must follow when issuing loans and borrowers use loans. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Second-hand housing loans, bank loans to the seller's account, does it mean that I gave the money to the seller?
The bank directly lends the money to the seller's account, that is, you give the money to the seller.
After the loan is made according to the regulations, it will be directly credited to the account designated by the seller, but you will definitely repay the loan.
I don't know what you mean by withdrawing money before. What do you want to deny?
Second-hand housing loan procedures:
Second-hand housing buyers and sellers go to the bank to sign a loan contract to buy a house. When buying a house, I bring my husband and wife's ID card, household registration book, marriage certificate, income certificate, no room certificate and down payment transfer receipt. The seller shall carry the ID card, household registration book, marriage certificate, real estate license and land certificate of both husband and wife; After signing, it will enter the examination and approval process, and it will be passed in about 2 weeks.
After successfully handling the loan, you can go through the transfer formalities. After the transfer, the buyer mortgages the property to the bank; After the bank completes the mortgage formalities, it will pay the seller and the buyer will pay back the money every month.