Looking for a loan from a real estate agency may take 2.3 months, and the provident fund may be longer. One-time 1 month and a half is enough.

Second, Changchun second-hand housing loan process

You have to find the money before you deposit the down payment through Fang Yi 'an (a software of J Construction Bank). It's quite troublesome. I'm looking for an intermediary as collateral. I am too busy to do it by myself. The agency fee is 2% of the house price. I think you should find a formal intermediary. I'm looking for a small agency. It cost a lot of money.

3. How long will the second-hand housing provident fund loan in Changchun last?

Second-hand housing provident fund loans are a bit slow, generally about 2 months. It will be longer under special circumstances.

Fourth, Changchun second-hand housing loan process

What is the down payment ratio of second-hand housing loans in Changchun? Has there been any change in the loan policy for second-hand houses in Changchun on 20 19 recently? What is the down payment ratio of second-hand housing loans in Changchun? Today, let each room choose a small series to give you a brief introduction!

There are two main forms of second-hand housing mortgage loans, namely commercial loans and provident fund loans. The minimum down payment ratio of second-hand housing commercial loans in Changchun is 30%, and the minimum down payment ratio of second-hand housing provident fund loans is basically 50% of the housing appraisal amount!

Second-hand housing mortgage loans are based on commercial loans and provident fund loans, and the down payment ratio is as follows:

1. The Buyer purchases the house through a commercial loan:

1. The buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 30% of the appraised house price and the maximum loan ratio of 70%;

2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;

3. The buyer chooses a commercial loan to purchase a commercial house, and the minimum down payment ratio is 50% of the appraised house price, and the maximum loan ratio is 50%.

Second, the buyer's provident fund loan to buy a house:

1. The buyer chooses the provident fund loan to purchase the first house, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of 50%;

2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 60% of the appraised house price and the maximum loan ratio of 40%;

3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.

The specific situation will change according to the actual situation of the purchaser, such as whether it is the first home, the amount of provident fund deposit, provincial deposit or municipal deposit. The second-hand housing loan process is more complicated, and the housing selection proposal for each house must be handled by formal institutions!