The first step: first find the house you want to buy, but the house must have clear property rights (the "House Ownership Certificate" has been applied for) and meet the conditions stipulated by the government to enter the real estate market. .

Step 2: Choose a real estate transaction agency designated by the bank that can handle mortgage loans (such as the Quanzhou Real Estate Exchange Management Office Real Estate Agency), and complete the property value evaluation at the agency and pay the Property appraisal fee.

Step 3: When applying for a second-hand house mortgage loan, you should fill in the loan application form and submit the following information to the lending bank:

1) Proof of identity (resident ID card, household register or Other valid residence documents), academic certificates, marital status certificates;

2) Proof of economic income, and optionally other property certificates including deposit certificates and securities; the above supporting materials The more comprehensive it is, the higher the bank's score in the loan review, and the better the conditions for loan amount and time;

3) House purchase agreement signed by the buyer and seller;

4) Agree Proof of using the purchased house as mortgage;

5) Own funds of no less than 30% of the purchase price;

6) Other documents or materials required by the lending bank.

The house seller must provide the following information:

1) Identity certificate and copy of the house seller (including *** owner), and proof of marital status;

3. Valid certificate and copy of the ownership of the house being sold;

4) If the house has been For leasing, documents proving that the tenant agrees to sell must be provided;

5) Proof that the house being sold meets the conditions for sale on the market.

Step 4: The bank will review the authenticity, legality and compliance of the information submitted by the buyer and seller as well as the borrower's credit standing. After passing the review, the bank will issue a "Loan Commitment Letter" to the buyer. The bank will indicate the percentage and years of mortgage loan it provides.

Step 5: The buyer deposits the down payment of the house purchase into the account of the real estate transaction agency designated by the bank, which is frozen by the bank. The seller will hand over the down payment and the "Loan Commitment Letter" 》After signing, go to Quanzhou Real Estate Exchange Management Office to handle the house transaction procedures.

Step 6: After the house transaction procedures and the new "House Ownership Certificate" are completed, the house buyer signs a loan contract with the lending bank and handles mortgage, insurance and other related guarantee procedures.

Step 7: The loan contract takes effect, the funds are transferred to the buyer’s designated account, and then the buyer delivers the loan and down payment to the house seller.