Materials required for second-hand housing mortgage loan: 1, personal identity document, household registration book, proof of residential address and proof of marital status; 2. Personal income certificate or asset status certificate; 3. Property certificate of mortgaged house; 4. If the applicant uses other people's property as collateral, it is also required to provide the property owner's ID card (including * * *), proof of marital status, written proof of consent to mortgage, etc. 5. If a bank is designated, other documents that meet the requirements of the bank are required. Specific process of second-hand housing mortgage loan guarantee: 1. The real estate under the customer's name is first of all a large property right house that can be registered for real estate mortgage; 2. Apply for mortgage loan; 3. The appraisal agency evaluates the self-owned real estate provided by customers and submits the real estate appraisal report. 4. Go through the formalities of real estate insurance and the corresponding loan approval procedures, and the loan amount can reach 80% of the assessed value at most. 5. The customer shall go through the mortgage registration formalities with the real estate license and loan contract at the district and county real estate bureau where the real estate is located. 6. After the mortgage registration is completed, the bank can issue loans.

: Application conditions for second-hand housing mortgage loan: 1. A natural person with full capacity for civil conduct, aged from 18 to 65 (inclusive); 2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; 3. Have good information records and willingness to repay; 4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time; 5. Commercial housing sales (pre-sale) contract or letter of intent for purchased housing; 6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; 7. There is an effective guarantee recognized by the lender; 8. Other conditions stipulated by the bank.

Commercial loan process of second-hand housing

(1) Materials needed to prepare commercial loans for second-hand houses. (2) Qualification examination of house purchase: Now many cities have implemented the purchase restriction policy, and the sales of houses are suspended for families who already own houses that meet or exceed the purchase restriction, so the qualification examination of house purchase must be carried out when buying a house. (See the policies and requirements in this respect for details) (3) Online signing: the relevant terms of the stock house sales contract will be entered online in the signing system of the Housing Construction Committee, and the contract will be filed. ⑷ Evaluation: Generally, the evaluation company recognized by the loan bank makes the evaluation value according to the location of the house and the year of completion. 5. Face-to-face signing: When signing the loan contract on the day of face-to-face signing of the commercial loan, the seller needs to cooperate with the bank to inquire about personal credit. (ID card, household registration book, real estate license and other materials need to be prepared when signing the sales contract) After face-to-face signing, the bank will issue a loan letter within 7- 10 working days. [6] Tax payment: Now, the general tax payment business needs to make an appointment through online pre-examination, and the application can be made after online signing, valid for 30 natural days. (7) Transfer: If the buyer and the seller are unable to be present, notarized power of attorney shall be provided. (8) Mortgage registration: After the house is transferred, it is necessary to go to the Housing Construction Committee for mortgage registration. After the mortgage registration is completed, the Construction Committee will issue other warrants for the bank and stamp the mortgage registration stamp on the buyer's house ownership certificate. (9) Bank loan: After the relevant procedures are completed, the loan bank will transfer the loan to the deposit account opened by the seller in the loan bank in one lump sum or in installments according to the loan contract. After the bank lends money, the borrower needs to start repayment, and should carefully check the repayment date of the bank and the repayment bank to avoid overdue.

Second, the second-hand housing commercial loan process?

The specific transfer procedures for buying and selling second-hand houses and handling mortgage loans are as follows:

1, 1, submit materials and apply.

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

2. Day 2-7 Assessment

According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.

3. Day 8 Bank Approval-10

Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days.

4. Pay the down payment on11-33 and handle the transfer.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

5.34-35: Go through the mortgage registration and insurance procedures, and lend money from the bank.

After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

3. What is the operation process of buying second-hand houses and obtaining commercial loans through housing agents in Huizhou? The more detailed, the better, not afraid to talk too much.

When I said this, my heart was full of bitterness. I ran back and forth n times. 1, single certificate or marriage certificate 2, copy of provincial certificate 3, social security record (required to be stamped by card) 4, provident fund record (required to be stamped by card) 5, income certificate, half-year running of bank (required to be stamped by card) 6, copy of household registration book (the first page has been changed to its own name for mortgage) The process is simple and needs the signature of the credit company. . . The length of time is not necessarily, depending on the time. It's usually slower at the end of the year. At other times, the commercial loan is about 1 month.

Four, how to apply for second-hand housing bank operating loans?

I. Loan application:

(1) Application conditions:

1. Legal identity certificate of the borrower;

2, the borrower's economic income certificate or occupation certificate;

3. The account book of the borrower;

4. Borrowers with spouses need to provide proof of husband-wife relationship;

5. If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment responsibility;

6, the purchase of second-hand housing property certificate;

7. The house sales contract signed with the seller and the transfer account provided by the seller;

8. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;

9. The property right of the purchased house * * * A written authorization document that someone agrees to sell the house;

10. Other documents or materials required by the lender.

(2) Application materials:

Information to be provided by the Buyer:

1, ID card (husband and wife), temporary residence permit (migrant population)

2. Household registration book (both husband and wife)

3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)

4. Proof of income or solvency (unit)

5. Copy of business license stamped with the official seal of the employer (presented by the employer)

6. Certificate of academic qualifications (provided by junior college or above)

7. Current passbook of the applicant's loan bank.

8. Other materials required by the bank.

Information to be provided by the seller:

1, ID card (husband and wife), temporary residence permit (migrant population)

2. Household registration book (both husband and wife)

3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)

4. Proof that the spouse and * * someone agree to sell (fixed format)

5. Real estate license

6. The original purchase contract, agreement and relevant approval documents shall be provided for the sale of purchased public houses, central delivery houses, affordable houses and relocated houses.

7. Other materials required by the bank.

Second, the loan process:

1, determine the mortgage service company and loan scheme. Before handling the loan, the borrower needs to determine the mortgage service company with the intermediary, consult the mortgage service company for loan and determine the loan scheme.

2. Inquire about provident fund (if provident fund loans are needed)

After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.

3. Sign a house sales contract.

The borrower and the seller sign a house sales contract.

4. Prepare loan information and review loan eligibility.

The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.

5. Sign loan agreement, notarization and insurance.

The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees.

6. Handle the house transfer and mortgage procedures.

The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.

7. Apply for real estate license and mortgage certificate.

After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank.

8. Bank loans

After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.

To sum up, commercial loans to buy a house have eased the pressure on buyers to buy a house, but at the same time they need certain conditions to apply for a house loan. How to apply for commercial loans for second-hand houses? Property buyers not only need to have a certain repayment ability and a good credit record, but also must be able to make a down payment for their own house purchase in order to successfully obtain commercial loans.