Loan first and then transfer.

Process: pre-house inspection, contract signing, etc. -Approve the loan-Approve the loan-Both parties go to the real estate transaction center to review the tax-Tax 1 Approve-Both parties pay the tax and go through the formalities of property right transfer.

(Mortgage registration is required at this time)-Get the real estate license and mortgage certificate within 20 days after the transfer-Send the mortgage certificate to the bank-The bank will issue the loan within the time limit stipulated in the loan contract.

In the process of buying and selling second-hand houses, it is generally necessary to apply for loans first, and then go through the transfer procedures. If it is a one-time payment, you need to pay attention to the safety of funds, and try to pay the house price after the transfer of property rights, or you can apply to pay the house price through escrow to minimize the risk. Buyers and sellers must go through the formalities of property right transfer at the real estate trading place designated by the government, pay all kinds of transaction fees according to state regulations, and receive the property right certificate issued by the government. Buyers and sellers can pay with one hand and hand over the house with the other.

Materials to be submitted when applying for a loan:

(1) ID card;

(2) Proof of the borrower's repayment ability;

(3) Legal and effective purchase (construction or overhaul) contracts, agreements or (and) other approval documents;

(4) proof of down payment;

(5) loan guarantee materials;

(6) Other documents and materials required by the lending bank.

Extended data:

procedure

First of all, please go to the bank to understand the relevant situation. And apply for individual housing loans with all relevant materials.

Then accept the bank's review of you and determine the loan amount.

Next, you can apply for a loan contract and the bank will handle insurance. Handle the registration and notarization of property right mortgage.

The last thing left is that the bank cancels the registration after issuing the loan, and the borrower repays the loan on a monthly basis and pays off the principal and interest.

After the above procedures and formalities, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage loans and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.

How do buyers handle mortgage loans?

Building mortgage loan is quite common in the United States, Japan, Singapore, Hong Kong and other places, and has become a widely popular financing method for house purchase in developed countries and regions. In China, mortgage loans have only been implemented in Shanghai, Beijing and Shenzhen in recent years. The sales performance of real estate that provides mortgage loans in the real estate market is obviously better than other real estates. Property buyers handle it.