When buying a second-hand house, if you want a loan, you need to master certain processes. What about buying a second-hand house loan? PChouse, let's take a look.

1. First of all, as a loan, we need to confirm the mortgage service company with the intermediary before handling the loan, and ask the mortgage service company for loan consultation to determine the loan plan. At this time, we should choose and try to find some companies with low quality and service prices.

2. After confirming the purchase intention with Gao Congying who bought a second-hand house, everyone needs to provide the provident fund account number. The mortgage service company we choose will inquire about the provident fund, and Zheng Jiao will determine the loan amount and loan term. What needs to be explained is that if everyone has less money and income, it will be a few more years, which can reduce the pressure.

3. Sign a house sales contract with the second-hand house owner. Due to the different requirements of the trading center, everyone needs to sign according to their own geographical situation. This can be referenced. It's simple. Then we have to prepare loan information and review loan qualifications. Generally, the review time is very fast, so don't worry.

4. After the initial review of the mortgage service company, if everyone's situation basically meets, Qi Cong will submit the loan information to the loan bank for review. If the bank also passes, the mortgage service company will arrange for everyone to sign a loan agreement with the bank, notarize the agreement, and collect fees, including housing insurance, so that our procedures can be seen to be good.

What is the loan process for buying a second-hand house?

1. If you apply for a personal second-hand housing loan in China Bank, the business process is as follows:

1. Signing a sales contract: The borrower signs a house sales contract with the seller.

2. Apply for a loan: the buyer and the seller submit the required relevant materials to the lender, and the buyer fills in the Application Form for Second-hand Housing Mortgage Loan;

3. real estate assessment: After receiving the loan application materials from the borrower, the bank will evaluate the transaction house;

4. Loan approval: the bank approves the loan application and determines the loan amount and term. Personal second-hand housing loan business must adhere to the relevant approval principles;

5. Signing a contract: the borrower, the lender and the guarantor sign a loan contract, and the contract needs to be notarized;

6. Handling the formalities of real estate transfer and mortgage registration: the lender or the real estate agency recognized by the lender shall handle the formalities of real estate transaction transfer and mortgage registration;

7. Sign the IOU: After receiving the certificate that the borrower has registered the mortgaged property, the lender will notify the borrower to sign the IOU at the bank.

8. Lending: the lender transfers the loan to the designated account according to the agreement of the buyer and the seller, and then the buyer and the seller go to the bank to handle the loan issuance procedures;

9. Repaying the principal and interest: The borrower shall repay the principal and interest from the month following the loan issuance.

2. You can apply in our e-banking channel. The loan application method is as follows:

1. At present, Bank of China supports customers in some parts of China to apply for loans through e-banking. Please select from the drop-down menu of personal online banking and mobile banking online loan application function or the map of official website Bank's online loan application function in China. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.

2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.

The above contents are for your reference. Please refer to the actual business regulations.

How to get a loan for buying a second-hand house?

Buying a house in full is generally a local tyrant's job. With the rise of housing prices, more and more people choose to buy second-hand houses, because the price of second-hand houses is cheaper than that of new houses. So how do you get a loan to buy a second-hand house? What are the requirements? Let's take a closer look with Bian Xiao.

1. What are the conditions for buying a second-hand housing loan?

1. The buyer must be at least 18 years old, have full capacity for civil conduct, and have a permanent residence for urban residents or a legal and valid identity card.

2. Buyers should have a stable and legal income and have the economic ability to repay loans and pay interest.

3. The borrower shall agree to use the purchased house and its rights and interests as loan collateral.

4. The property rights of the purchased second-hand houses should be clear and meet the conditions for entering the real estate market.

5. The purchased second-hand house is not within the scope of the announcement.

Second, how to buy a second-hand house?

1. Submit the materials required for the second-hand housing loan.

The buyer needs to provide: ID card, household registration book, marriage certificate or divorce certificate or divorce agreement or judgment, income certificate, bank flow within 6 months, loan bank savings card, etc. At the same time, the buyer also needs to provide a purchase contract, that is, a stock house sales contract. There are also three points to note:

(1) The general bank will review the property under the name of the minor children of the buyer. If the buyer's household registration is in Beijing, his minor children have 1 apartment, and the buyer has 1 apartment, which exceeds the prescribed purchase restriction, then the bank will not give the loan.

(2) Banks also have clear requirements for borrowers' income. If there are other loans under the borrower's name, the monthly income requirements are as follows: monthly income = (repayment of the loan in the original month is now applied for this month) X2.

(3) If the buyer has divorced, the address of the second-hand house in the divorce agreement is different from the address of the actual loan house, and the property certificate of the community where the second-hand house is located is required to prove that it is the address of the same house.

2. Banks will evaluate the second-hand houses that apply for loans, and general banks will let professional evaluation agencies evaluate them.

3. Bank approval

After the approval of the bank, the bank will issue a loan approval letter to prove to the seller that the bank has agreed to lend to the buyer, and the seller can safely transfer the house to the buyer.

4. Transfer of ownership

After the implementation of the real estate registration system, now, when transferring ownership, buyers and sellers only need to go to the real estate registration agency to change the original real estate license into a real estate license, so they can directly register the name of the purchaser on the real estate license.

5. Give the title certificate to the bank as collateral.

Property buyers need to go to the real estate registration department to apply for the "Real Estate Registration Certificate" to prove that the real estate has the mortgage right of the bank, and the general bank will hand it over to a special working institution for mortgage matters.

6. Bank loans

After the bank completes the relevant loan procedures, the bank will transfer the loan to the deposit account opened by the seller in one lump sum or in batches according to the loan contract. Then the borrower only needs to repay the bank on time every month.

The above is an introduction about how to get a loan for buying a second-hand house. Friends in need can learn more about it. After all, the loan process of second-hand houses is more complicated than that of new houses, so friends should know more about these loans before buying second-hand houses.

How to get a loan for buying a second-hand house?

Nowadays, many people need loans to buy second-hand houses, which can also reduce their pressure and make their lives more comfortable. However, the second-hand housing loan process is very complicated, which is unknown to first-time buyers. Then, let Bian Xiao share with you how to buy a second-hand house.

First, how to buy a second-hand house with a loan

1, see the house

First of all, you need to know about the house, go to the field to see it, and then decide whether to buy it or not.

2. Sign a loan contract

When signing the loan contract, both parties need to be present and bring relevant materials, and the buyers need to prepare the down payment.

Step 3 evaluate

Please ask the appraisal company to go to the site to evaluate the house, and the owner should actively cooperate.

4. Online signing

The signing center will send people to take both parties to the online signing office of the Construction Committee for online signing, and the price of online signing should ensure the loan demand of customers.

Step 5 review

According to the information submitted by the buyer and the seller, the comprehensive evaluation report and the online signing, the audit will be conducted.

6. Lending approval

After the audit is completed, it is determined whether the loan can be approved and how many loans are approved. The bank will give the loan approval certificate.

7. Transfer of ownership

Before the signing center arranges the transfer between the two parties, the buyer and the seller shall handle the property fee; On the day of transfer, you have to go to the local tax bureau to pay various taxes, and the buyer can get the certificate and the invoice issued by the local tax on the same day.

8. Loans

Lend money to the seller within three working days after the transfer is completed.

9. Delivery of property

After the transfer is completed, the two parties will hand over the house, usually on the day of transfer, unless there are special circumstances.

10, get the house ownership certificate.

You can get the real estate license within ten working days after the transfer, but it is slow in some places, depending on local conditions.

1 1, mortgage registration

After the transfer is completed, the buyer needs to go to the bank for mortgage registration. After the transfer is completed, the original house will be handed over to the buyer.

The article concludes: The above is about how to buy a second-hand house, and I hope it will help you. Want to buy a second-hand house, you can first understand the specific loan process, so as to successfully complete the loan.

How to handle the second-hand housing loan?

The process of handling second-hand housing loan is as follows: application, preparation of face-to-face signing, bank evaluation of the house applying for loan, bank examination and approval, tax payment and transfer, and obtaining a new property right certificate, which is handed over to the bank as collateral for bank lending. Second-hand housing loans are recommended by Mo Erlong, which are aimed at groups over the age of 25-55 who need large loans, as well as non-online lending groups, such as flowers and flowers, small degrees and so on. Students and groups need to be excluded.

Precautions for second-hand housing loan:

1, the lender is a foreign household registration, and the loan ratio may also be reduced.

2. Check the number of loan houses. Loans to buy more than two houses will reduce the number of loans and may even not be issued.

3. The age of the house. The age of second-hand housing has become the audit standard for many banks to issue loans. The longer the house is, the lower the loan ratio, and even the loan may not be approved.

4. Location, unit price and area of the house. For houses with remote location, low unit price and small area, the loan ratio is wide and low, and it may even not be lent.

5. The lender's age, personal credit and repayment ability. Lenders with old age, poor credit and low repayment ability may even refuse loans.

For more information about loans, please consult Mollon. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in terms of customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and small loan companies. Worth believing and guessing!

This concludes the introduction of how to buy a second-hand house by yourself and how to buy and sell a second-hand house by yourself for mortgage loan. I wonder if you have found the information you need?