1. Applicants need to fill in the application form, loan receipt, transfer authorization, pre-signed mortgage contract for house purchase loan and other relevant legal documents, and issue an evaluation report.

2. Sign the loan contract and pay the down payment.

3. Internal bank approval.

4. If the approval can be passed, then the property right transfer will be handled.

5. After the mortgage registration is completed, return other warrants to the bank. The bank issues loans to borrowers.

6. The borrower shall repay the loan on time according to the prescribed repayment method.

7. The borrower pays off the principal and interest of the loan, cancels the mortgage and guarantee contract, and recovers the relevant mortgage certification materials.

Application conditions

1. Legal and valid identity documents 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;

4. 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;

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

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

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

8. Property right of the purchased house * * * A written authorization document that someone agrees to sell the house;

9. Other documents or materials required by the lender.

Refer to the above content: Baidu Encyclopedia-Second-hand Housing Mortgage Loan