No matter whether you choose a new house or a second-hand house, if you have a mortgage loan, you can only follow the process. Then relatively speaking, it will be more troublesome to apply for second-hand housing mortgage loans. First, we must go to the Housing Authority to find out the ownership of the house and whether there is a loan. The following small series will introduce you to the second-hand housing mortgage loan process.

1. Submission of materials, application: Before going to the bank, buyers and sellers should bring some relevant materials. And fill in the information is the second-hand housing personal loan application form, and then hand over the materials to the staff for review. At this time, the staff will make a preliminary evaluation of the materials submitted by you, and will give an approximate loan amount and term. Then the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency to inspect the house and make an evaluation.

2. Evaluation: According to the agreed time, the evaluation agency will come to your home for evaluation. Upon completion, the appraisal agency will submit an appraisal report to the bank. How long it will take depends on the actual situation. Generally speaking, it can be completed in 3 to 5 working days, and traders have to pay an evaluation fee.

3. Bank approval: Banks also need to examine the qualifications of loan applicants. After meeting the requirements, the bank will also examine and approve the loan amount and term according to the appraised price of the house and the qualification of the lender. Generally speaking, the approval process takes about 5 working days.

4. Pay the down payment and handle the transfer: after the approval, the buyer pays the down payment of the house, and then the buyer and the seller and the bank staff go to the real estate exchange to handle the transfer of the house property right with the down payment certificate and the mortgage application issued by the bank. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for 20 working days.

5. The buyer goes through the mortgage registration and insurance procedures, and the bank lends money: after receiving the real estate license, the mortgage registration and insurance can be started at this time. Then, the loan can be issued, and the bank will deposit the house payment into the seller's account at this time, and the buyer will start the current repayment according to the contract.

Summary: There are so many mortgage loan procedures for second-hand houses. Just follow the above procedures, and pay special attention to some details when buying one step.

Second, what is the second-hand housing mortgage loan process?

Whether you choose a new house or apply for a mortgage loan, you can only follow the process. Then relatively speaking, the second-hand housing office must first go to the Housing Authority to understand the ownership of the house and whether there is a loan. The following small series will introduce you to the second-hand housing mortgage loan process.

1. Submission of materials, application: Before going to the bank, buyers and sellers should bring some relevant materials. And fill in the information is the second-hand housing personal loan application form, and then hand over the materials to the staff for review. At this time, the staff will make an initial loan amount and fixed number of years for the materials you submitted. Then the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency to inspect the house and make an evaluation.

2. evaluation: according to the place where the house is about to be built. Upon completion, the appraisal agency will submit an appraisal report to the bank. It depends on the actual situation. Generally speaking, it can be completed in 3 to 5 working days, and the transaction party has to pay the evaluation fee.

3. Bankers are also required to conduct qualification examination. After meeting the requirements, at this time, the qualifications of banks and comprehensive lenders will be approved. The approval process can.

4. Pay the down payment and handle the transfer: after the approval, the buyer pays the down payment of the house, and then the buyer and the seller and the bank staff go to the real estate exchange to handle the transfer of the house property right with the down payment certificate and the mortgage application issued by the bank. It can be completed on the day of transfer, and the buyer will wait for another 20 minutes.

5. After the buyer has registered the real estate mortgage and secured the real estate license, it will be insured at this time. Then, the loan can be issued, and the bank will deposit the house payment into the seller's account at this time, and the buyer will start the current repayment according to the contract.

That's all for the loan process. Only by following the above process should we pay special attention to some details.

Third, how to mortgage second-hand housing

You ask the seller to issue a down payment receipt (down payment makes up 30% of the contract price), and then apply for a mortgage loan at the bank with the purchase contract, down payment certificate, income certificate (issued by the company), ID card and real estate license. The bank will inform you of all the procedures, and you only need to consider the repayment period (the loan period is determined according to the monthly repayment ability, up to 30 years).