When buying and selling second-hand houses, the time sequence of down payment and transfer. Many people don't know, the next content will be introduced in detail in Bian Xiao.

Under normal circumstances, the process of second-hand housing transaction is to pay the down payment first, then apply for a loan, and then transfer the ownership. The specific procedures are as follows:

1. Submit materials and apply.

(1) First of all, the second-hand housing business brings relevant materials, * * * goes to the bank to collect and fill out the application form for personal loan for second-hand housing, and then all the materials are submitted to the bank staff for review.

(2) After that, the bank staff will make a preliminary evaluation of the materials, and then give an approximate loan amount and loan term.

(3) The buyer, the seller and the bank staff agree on a good time, and the real estate appraisal agency designated by the bank will go to the house inspection and appraisal.

Step 2 evaluate

After the evaluation is completed, the evaluation agency will issue an evaluation report to the bank, which will take about 3-5 working days.

3. Bank approval

After that, the bank will review the qualifications of the loan applicant. After approval, the bank will examine and approve the loan amount and term according to the housing appraisal price and comprehensive lender qualification, which will take about 5 working days.

4. Pay the down payment and handle the transfer.

(1) After the bank loan is approved, the buyer shall pay the down payment to the seller.

(2) The buyer, the seller and the bank staff go to the real estate exchange to handle the transfer of house property rights with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials.

(3) It can be completed on the day of transfer, and then the buyer needs to wait about 20 working days to get the real estate license.

5. Deal with mortgage registration, insurance procedures and bank loans.

After the property buyers get the real estate license, they can apply for mortgage registration and insurance, and then the bank can issue loans.