Second-hand housing transfer has nothing to do with loan repayment. As long as the bank lends money, it needs to start repaying the loan. It may take a long time to transfer the house, or it may have been completed.

So just look at the time when the bank lends money. An extreme example is like buying a new house. It takes an average of 2 years to repay the loan before you can apply for the real estate license.

202 1 mortgage time of second-hand house of ABC

202 1 second-hand housing loan of agricultural bank, about one month. The speed of ABC is relatively slow, and some users have waited for 2~3 months without coming down. So don't worry, as long as it meets the conditions, it will be put down.

1. What is the process for the second-hand housing loan of ABC?

The buyer and the seller sign a house sale agreement or a house sale contract, and the qualified buyer applies for a loan from the loan bank and provides relevant certification materials. The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank for house appraisal, and the law firm conducts appraisal, investigation and analysis on the borrower's credit certification materials and appraisal report, and issues legal opinions. The bank approves the loan, informs the borrower whether it agrees to the loan, and the buyer and seller go through the formalities of property right transfer. After the transfer, the borrower goes to the bank to handle the loan procedures. The purchaser signs a second-hand house mortgage loan contract with the loan bank. The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration. After the loan contract comes into effect, the loan bank transfers funds according to the loan contract, and the borrower repays on a monthly basis. The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.

Two, personal second-hand housing loan borrowers need to have the conditions

1. Have full capacity for civil conduct and legal and valid identity documents;

2. The ability to repay the loan principal and interest;

3. The application score meets the prescribed access standards.

4. A legal and effective house sales contract has been signed, and the house purchased is residential;

5. There is proof that the down payment is not less than the minimum prescribed proportion;

6. Set mortgage guarantee for the purchased house in principle;

7. Other relevant conditions stipulated by the Agricultural Bank.

8. It should be noted that the specific procedures are subject to local regulations.

To sum up, it takes a long time for ABC to get a second-hand house loan, and some people even have to wait for three months, so people who wait for one month don't have to worry at all, as long as you meet the relevant loan conditions of ABC and your process is good, you don't have to worry at all. The second-hand housing loan process of ABC is relatively simple. Second-hand housing lenders need to have certain conditions, such as the ability to repay the principal and interest of the loan and the purpose of buying a house is residential, not other illegal purposes.

When do buyers need to repay loans when buying and selling second-hand houses? After the transfer

In the second-hand housing business, the repayment time node of the buyer's application for loan is the month after the loan is made to the seller, and it must be repaid after the transfer, and the loan will be repaid after the loan is made.

When will the repayment start after the mortgage comes down?

After a bank mortgage, it will be repaid from the next month. Every bank has the time to ask for repayment for the last time, which does not mean that the loan will be counted after one month. If the repayment date of a bank is 5th, it should be February 5th. The specific process of mortgage: (1) Buyers who want to get mortgage services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans. (2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan. (3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. (4) Signing a building mortgage contract After signing the house purchase contract and obtaining the proof of payment, the buyer signs a building mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. (5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures.

Is the second-hand housing mortgage loan transferred first or loaned first?

Loan first and then transfer.

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

(At this time, mortgage registration should be handled together)-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 put the payment of the house payment after the transfer of property rights, or you can apply for escrow payment 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 obtain 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 personal 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 apply for insurance. Handle the registration and notarization of property right mortgage.

The last thing left is the cancellation of registration after the bank issues loans, the borrower repays 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 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 is quite common in the United States, Japan, Singapore, Hong Kong and other places, and has become a widely popular financing method for buying houses in developed countries and regions. In China, mortgage has only been implemented in Shanghai, Peking, Shenzhen and other cities in recent years. The sales performance of real estate that provides mortgage in the real estate market is obviously better than other real estate. Property buyers handle it.