Second, the classification of housing mortgage loans

1, commercial loan

Personal commercial housing loans refer to loans granted by loan commercial banks or housing savings banks to individuals who purchase self-operated commercial housing or ordinary residential housing for their own use. The borrower will mortgage the purchased property to the bank as a guarantee to repay the loan on time.

2. Provident fund loans

Property buyers and owners need to open separate accounts in banks. Generally speaking, the owner's money is used to collect money, the buyer's money is used to repay the loan, and then the mortgage lender (bank) goes through the formalities, and then the bank conducts on-site evaluation.

3. Portfolio loan

Refers to the applicant who applies for both commercial loans and provident fund loans when buying a house. When the amount of provident fund loan applied by the applicant at the time of purchasing a house cannot meet the amount that the applicant should borrow from the bank, the difference will be made up by commercial loans.

Three, the bank agreed to loan notice

Fourth, sales and delivery

Verb (abbreviation for verb) Transfer after paying taxes.

Sixth, the new certificate

Seven. put forward

Eight, into the charge

Nine, provident fund loan approval

X. loan

Xi。 Close the house

Loan flow chart, I hope it will help you:

Second-hand housing loan process:

(1) Submit materials and apply.

(2) Evaluation

(3) Bank approval

(4) Pay the down payment and handle the transfer.

(5) The buyer goes through mortgage registration, insurance and other formalities, and the bank lends money.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!