Compared with the new house, the second-hand house will have a mature community with complete facilities. So many people will choose second-hand houses, but the loans for second-hand houses will be more troublesome than new houses. At this time, some people have doubts about how long it will take to get the loan. Next, I will explain to you how long it takes to get a loan for the second-hand house transfer.
How long can the second-hand housing loan be approved?
Under normal circumstances, second-hand housing loans can be approved in about seven working days. The general process is as follows: the buyer and the seller negotiate the house price-bring all the materials to the building to sign a contract-the bank signs a loan contract-apply for a loan-bring all the materials to the housing management department to pay taxes and fees-obtain the property right certificate-find a bank loan officer to register the mortgage-and the bank withdraws the loan.
Materials needed by buyers and sellers in the transfer of second-hand houses
1. Application Form for Sales Registration of Real Estate Ownership Certificate;
2, the city real estate sales contract;
3, housing sales consultation notice (housing belongs to XXX with XXX or rent or housing reform);
4. Certificate of real estate license (if there are more than two persons, submit * * *);
5. Draw a floor plan (according to the number of applicants);
6. Identification certificates of the buyer and the seller;
7 "Housing sales contract for the needy" (housing for the needy);
7. Reply of land price evaluation (the real estate has not gone through the formalities of paid land transfer).
Where the party selling or buying the house is the unit, the following information shall also be provided:
1, copy of business license;
2. Power of attorney of the legal representative;
3, the legal representative and agent identification;
4, the relevant departments agreed to sell or buy proof.
The house provided by the seller is legal and can be traded on the market, and the buyer and the seller sign a house sales contract (or a house sales contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.
Editor's summary: The above is the introduction of how long it takes to get a loan for the second-hand house transfer. Need to remind buyers and sellers, need to pay attention to clearly when signing the contract, need to prepare sufficient materials, pay more attention to many details. Beware of being cheated. Tax payment procedure
How long can the second-hand housing loan be approved?
Under normal circumstances, the second-hand housing loan will be approved in about 0/0 days.
1. Submit the materials and apply on 1 day. The buyer and the seller bring all relevant materials to the bank, collect and fill in the application form for personal loan of second-hand house, and then submit the materials to the staff for review.
Second, 2-7 days of evaluation. 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, which can be completed within 3-5 working days.
Three. Bank approval on day 8- 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.
4. Pay the down payment and handle the transfer on 1 1-33. After the approval, the buyer pays the down payment to the seller, and then handles the property right transfer with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials, and then waits for about 20 working days to get the real estate license.
Five, 34-35 days for real estate mortgage registration, insurance procedures, bank loans. After the property buyers receive the real estate license, they will go through the mortgage registration and insurance, and then go through the loan issuance procedures. The bank will deposit the house payment into the seller's account, and the buyer will start to repay the current period on schedule as agreed in the contract.
legal ground
Article 38 of the Interim Measures for Personal Loans: If the borrower fails to provide true and complete information as promised in the contract and fails to use and pay the loan as agreed in the contract, the lender shall investigate its liability for breach of contract according to the provisions of laws and regulations and the loan contract.
How long can the second-hand housing loan be approved?
Generally speaking, those who meet the loan procedures can be completed in about one month. If a second-hand house applies for a loan, it shall sign a loan agreement with the bank. If it does not have the ability to repay debts, it shall also provide a guarantor for guarantee. When the buyer fails to perform the debt due, the guarantor shall bear the repayment responsibility.
legal ground
Article 668 of the Civil Code
A loan contract shall be in written form, unless otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 679
A loan contract between natural persons shall be established when the lender provides the loan.
Is it difficult to get a second-hand housing loan in Hefei in 2022?
It is not difficult to borrow a second-hand house in Hefei in 2022. According to relevant data, in 2022, the second-hand housing loan in Hefei met the conditions of bank loan and the relevant requirements stipulated by the bank, and the housing loan was good. The slowdown of second-hand housing loan business in Hefei in the second half of 2022 is mainly affected by factors such as industry cycle and real estate loan concentration. The new policy of second-hand housing loan in 2022, the purchase of the first home is closely related to the banking policy, and the state issued the Notice of the China Banking Regulatory Commission of the People's Bank of China on the adjustment of individual housing loan policy. In order to further promote reasonable housing consumption and stabilize the stable development of the real estate market, the State Council said that the down payment for second-hand houses is only 20%. The down payment needs to be carried out in a non-restricted city, and the first suite and the second suite are purchased, and the down payment of 20% is allowed without any change.
The introduction of second-hand housing loans ends here.