(1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract;

(2) Eligible buyers apply for loans from loan banks and provide relevant certification materials;

⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal;

(4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; ?

5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; ?

[6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities;

(7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; ?

(8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; ?

(9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract;

⑽ The borrower repays the loan on a monthly basis;

⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.

Extended data:

On June 4th, 2065438+00, the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Standardizing the Criteria for Determining the Second Suite in Commercial Personal Housing Loans, and determined the criteria for determining the second suite:

First, the number of residential units in commercial personal housing loans should be determined according to the actual number of complete sets of housing units owned by family members who intend to purchase houses (including borrowers, spouses and minor children, the same below).

Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.

If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.

Three. In any of the following circumstances, the Lender shall implement the second set (inclusive) of differentiated housing credit policies for the Borrower:

(a) the borrower applies for a loan to buy a house for the first time, and his family has registered one or more complete sets of housing in the housing registration information system (including the pre-sale contract registration and filing system, the same below) where the proposed house is located;

(two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing;

(3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).

IV. For non-local residents who can provide local tax payment certificates or social insurance payment certificates 1 year or more, the lender shall implement differentiated housing credit policies according to Article 3 of this Notice.

For non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more, the lender will implement the second (or above) differentiated housing credit policy; In areas where commodity housing prices are too high, rising too fast and supply is tight, commercial banks may suspend the issuance of housing loans according to the risk situation and relevant policies and regulations of local governments.

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