1. If the seller fails to pay off the repayment, ask the buyer to cooperate with the repayment: I suggest you go through the fund supervision procedures, and then make a down payment of 30% of the second-hand house loan.

2. There is no loan for the house itself, or the seller has completed the mortgage repayment: if the buyer purchases the house for the first time, he can get a loan of up to 70% of the appraised value of the house before February 2, 20 16, with good credit qualification; After February 2nd, the latest second-hand housing loan has a minimum down payment of 20% and a loan of 80%.

Second-hand housing mortgage loans shall meet the following conditions:

1. Having legal identity documents means having legal citizenship;

2. The property right of the purchased house should be clear and can be circulated in the real estate market;

3. The purchased house is not within the scope of the demolition announcement;

4. You need to open an account in the bank and save enough down payment;

5. Have good personal credit and the ability to repay the loan principal and interest;

6. Agree to use the house you bought as collateral of the bank;

7. There is no bad credit record when applying for a loan;

8. The applicant must also meet the requirements of other matters stipulated by the bank.