as we all know, if you want to buy or sell the property that is still under loan, you must pay off the loan before you can monopolize it. This is called foreclosure. The way of omission is not limited, so you can communicate and deal with it according to the actual situation of both parties. When handling the loan for second-hand houses, there are also many places that need everyone's attention. Only by knowing the possible problems in all aspects can you avoid it in time. Today, Xiaobian will talk about what it means to foreclose across the bridge. What should I pay attention to when handling second-hand housing loans?

What does it mean to redeem the building by crossing the bridge?

Usually, we call personal bridge-crossing fund-raising as building redemption, and enterprise bridge-crossing fund-raising as enterprise bridge-crossing, both of which are fund-raising businesses, with similar operation processes, but different objects. Pay off the mortgage principal and interest of the seller's property, cancel the mortgage registration and redeem the first-hand certificate. The first-hand certificate is redeemed and the mortgage registration is cancelled, which is regarded as the completion of the foreclosure.

there are two main forms of second-hand housing foreclosure business: one is cash foreclosure, and the other is quota foreclosure. In the process of second-hand housing transaction, after signing the sales contract and paying the deposit, there is basically a problem in the next step, that is, foreclosure. At the time of the transaction, the house is still in a mortgage state, and there is a mortgage state with the bank mortgage. If you want to trade, you must first pay off the bank loan and lift the mortgage, which is commonly known as foreclosure.

what to pay attention to when handling second-hand housing loans

1. Information procedures to see if there are any forgotten tapes. Mortgage information in Beijing: husband and wife's ID cards, household registration books, borrower's income certificate, copy of borrower's business license with official seal (state-owned enterprises are exempted), borrower's salary printed in bank, academic certificate, online contract for buying a house, and temporary residence permit (or work residence permit) for both parties.

2. Both the buyer and the seller should be present, and it is not necessary to pre-sell the house (buy a new house).

3. The information should not be altered or confused in cursive script.

4. Be careful not to talk too much. If you ask, just say don't ask, just don't say, that is to say, it is beneficial to your loan; Don't say anything against yourself, otherwise it will affect the loan efficiency and even whether to give you a loan.

5. The borrower's reputation, whether it has ever had a bad record; Taboo: the student loan has not been paid off yet, and the student loan is expected; The mortgage is expected or overdue for many times; Credit card overdue, taboo credit card overdue for many times in a row.

that's basically it. it's best to have a professional to accompany you or a guarantee company to handle it on your behalf. the personal loan bank will review it very strictly. It's much better for a guarantee company to act as an agent! The guarantee company's chances of success in helping the mortgage will be greatly reduced by 8%.