Under normal circumstances, it takes about 15 working days.

Second-hand mortgage: dealing with house purchase loan is one of the purchase procedures that many buyers need to face. Most property buyers know little about loans, so they waste their time in handling loans.

The first step: buy a house with clear property rights and choose a real estate transaction agency that can handle mortgage loan business to handle agency matters.

Step 2: The buyer and the seller must provide relevant information. Among them, the materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, proof of marital status, house purchase agreement signed by the buyer and the seller, income certificate of husband and wife (unit income certificate), other property certificates including deposit certificate and securities, and two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house sold, and proof of approval for listing.

Step 3: Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the house purchased. Attorney's fee.

Step 4: The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend.

Step 5: The buyer and the seller go to the real estate transaction management department of the real estate bureau where the house is located to handle the transfer procedures of the ownership of the house.

Step 6: After receiving the sales contract, send it to the bank, and the bank will transfer the money.

Step 7: Go to the Real Estate Bureau for mortgage registration, and the borrower will repay the interest on a monthly basis.

Housing loan:

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Mortgage Baidu encyclopedia

How long will it take to lend money after the second-hand house is transferred?

Enter the area and get the decoration quotation for free.

Nowadays, many people choose to buy second-hand houses, which can not only reduce the pressure of life, but also buy and live now, but some friends don't know the time and process of second-hand housing loans. Then, the following small series will share with you how long it will take to lend money after the second-hand house is transferred, and the second-hand house transfer process. \r\n \r\n \ r \ n \ r \ 1. How long does it take to lend money after the second-hand house is transferred \ r \ n \ r \ nGenerally speaking, the second-hand housing provident fund loan is 7- 15 working days, and the pure commercial loan and combined loan are generally 10-25 working days. But sometimes the bank's funds shrink, which may lead to slow bank lending. It depends on the bank. If the loan is normal, the loan will be released within one month (for reference only, subject to the actual situation). \r\n \r\n\r\n \ r \ Second, the second-hand housing transfer process \ r \ n \ r \ n 1, the property rights should be clear \ r \ n \ r \ n \ r \ nBoth parties should communicate. \r\n \r\n\r\n2。 Formally sign the contract \ r \ n \ r \ n \ r \ When the documents provided by the seller are legal, the buyer pays part of the down payment and both parties sign the house sales contract. After consultation, both parties reached an agreement on the location, property right, price, delivery time and property right disposal of the other party's house, and both parties signed a sales contract in triplicate. \r\n \r\n \r\n\r\n3。 Both parties applied to the Housing Authority for a review. The Housing Authority examines all documents, checks property rights, handles transfer procedures for houses that meet the listing conditions, rejects applications for houses without property rights, and prohibits listing transactions. \r\n \r\n\r\n4。 Paying taxes and fees \ r \ n \ r \ n \ r \ Taxes and fees are complicated and depend on the nature of the house. For example, are the taxes and fees for housing reform, affordable housing and commercial housing different? \r\n \r\n\r\n5。 Go through the formalities of property right transfer and transfer \ r \ n \ r \ n \ r \ Both parties go through the registration of property right change, submit materials to the issuing department, and the buyer will go to the issuing department to get a new property right certificate with the notice of property right certificate. \ r \ n \ r \ n \ r \ n \ r \ Abstract: The above is how long it takes to lend money after the second-hand house is transferred, and the related contents of the second-hand house transfer process are shared by Bian Xiao, hoping to help everyone. Friends who are going to buy a second-hand house can know the relevant knowledge in advance, so that you can take fewer detours.

Calculate how much it will cost to decorate your home.

How long does it take for China Bank to approve the second-hand housing loan?

To apply for a personal commercial housing loan in China Bank, you can log in to China Bank Mobile Banking (operation path: Loan-"Application Progress Query" in other services), personal online banking (operation path: loan management-loan inquiry and setting-application progress query) and the official WeChat account of Bank of China Weizhong Bank (operation path: microfinance-function hall-"Application Progress Query" in my loan) for self-inquiry.

After you apply for a loan at the Bank of China, you need to approve the loan, and you can only lend money after all the preconditions (such as mortgage registration) are completed. Therefore, it is recommended that you check the loan approval status through the loan handling bank.

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

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.