You can apply for a bank loan after the second-hand house is transferred. To apply for a second-hand housing mortgage loan, you must go to the Housing Authority in advance to know the ownership of the house and whether there is a loan. Because second-hand housing can only be mortgaged if there is a loan. First, the second-hand housing mortgage loan refers to the loan that an individual pays a certain proportion of the down payment when purchasing a house or commercial house with a property right certificate that can be traded in the market, and the rest is applied to a cooperative institution with the purchased property as collateral. Second, the second-hand housing mortgage loan process → signing a real estate sales contract → submitting a loan application → bank investigation and approval → implementing a loan guarantee → handling the property transfer → signing a loan contract → the bank issues loans → the borrower repays on a monthly basis. Specific operation process: 1. The buyer and the seller sign a house sales contract, which stipulates that the buyer pays the house price by means of second-hand house loan, and the down payment and loan ratio. At this stage, the buyer should generally check the seller's real estate license, water and electricity records and other documents while looking at the house on the spot; Sometimes sellers will ask buyers to pay a certain deposit. 2. The buyer and the seller should print the real estate sales agreement in the real estate market in the area where the house is located (the agreement should clearly indicate the payment method of the house price, such as "200,000 yuan as the down payment; The rest of the funds are used to apply for loans ". ), at the same time, the buyer and the seller sign the Agreement on Collection and Remittance of Private Property Houses at the local Housing Authority, which is used to clarify the entrustment relationship of collection and remittance of transaction funds. 3. Because of the particularity of second-hand houses, buyers need to find an evaluation company to evaluate the purchased property first. Banks will take the lower of the transaction price and the evaluation price as the basis for lending. It should be noted that some banks will only accept the appraisal report of the designated appraisal company, while others will not. Therefore, property buyers should consult the loan bank before appraisal. In order to ensure the security of the loan, the general bank will ask the buyer to provide a guarantee. The guarantor can be a financially capable individual or a professional guarantee company. It should be noted that at present, some banks have launched unsecured second-hand housing loans. Therefore, property buyers should be clear about the guarantee fee charged by the bank before handling the mortgage.