At present, many people choose to borrow money to buy a house, whether it is a new house or a second-hand house. So what is the maximum amount of second-hand housing loans? Let's take a look with Bian Xiao.

1. What is the maximum amount of second-hand housing loans?

The amount of second-hand housing loans depends on individual buyers. For example, if the buyer is buying a house for the first time, the maximum loan amount can be 70% of the total amount of second-hand housing. If the buyer already has a house, then buy a second-hand house, and the maximum loan amount is 50% of the house. In addition, the sale of second-hand houses is a personal transaction, and the procedures for handling loans are much more complicated. You can ask a third party for help, which saves time.

Second, the second-hand housing loan process

1. Submit materials and apply.

The buyer and the seller bring all relevant information to the bank, fill in the loan application form, and then submit it to the staff for review. After review, the staff will give an approximate loan amount and time, and then after both parties agree, the designated real estate appraisal agency will inspect the house for evaluation.

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The real estate appraisal agency will go to the house for appraisal according to the agreed time. After the appraisal is completed, the appraisal agency will give an appraisal report. Generally speaking, it can be completed in 3 to 5 working days, and the evaluation fee is paid by both parties to the transaction.

3. Bank approval

After the evaluation is completed, the bank will review the applicant's information. If it meets the requirements of the bank, it will be approved according to the evaluated price, and then combined with the qualifications and quota of the lender. The approval process usually takes about 5 working days.

4. Pay the down payment and handle the transfer.

After the loan is approved, the buyer pays the down payment to the seller, and then both parties transfer the property rights to the real estate exchange. Generally, the transfer can be completed on the same day, and it takes about 20 working days to get the real estate license.

5. The buyer handles mortgage registration, insurance and other formalities, and obtains a bank loan.

After obtaining the real estate license, handle the mortgage registration and insurance of the property, and then handle the loan issuance procedures. After the house payment is deposited, the buyer shall repay it on time as agreed in the contract.

Can the second-hand house borrow more money from the bank?

This is called high, for example, the actual transaction price is 200w, and the normal loan 140. But if the contract price is 240w higher, it is 168, which is 28 more. There used to be many, but now there are not many. The specific city depends.

How to buy a second-hand house, and how much can a person borrow at most?

The maximum amount of personal second-hand housing loans shall not exceed 80% of the appraised value of the purchased housing or the transaction price of the second-hand housing (whichever is lower), and the proportion of individual loans shall be determined one by one according to the borrower's repayment ability and credit history.

Please consult the local branch of Bank of China for details.

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

Buy a second-hand house, stay more, the bank will lend more,100000. Can the landlord sign a contract for Shen Xiao?

Buying a second-hand house can apply for a loan from the bank, but it should be determined according to the loan requirements and loan amount of the bank. If you want to borrow100000, then you need to provide the corresponding guarantee and sign the corresponding contract. When signing a contract, both parties should have valid identity documents to ensure the validity of the contract.

Want to borrow 6.5438+0.4 million to buy a second-hand house, how many loans should I apply to the bank?

I want to borrow10.4 million to buy a second-hand house and apply for a loan from the bank10.6. The so-called second-hand housing loan is simply a loan from the bank to the borrower to buy second-hand housing. Specifically, it refers to the individual housing loan provided that the house intermediary company is willing to provide phased guarantee for the purchaser by applying to the bank for replacement with the purchased house as collateral.

2. Second-hand housing mortgage loans are divided into commercial loans and provident fund loans. The calculation criteria for loans are as follows:

(1) The Buyer uses the commercial loan to purchase the house:

1. The buyer chooses a commercial loan to purchase the first house, with a low down payment ratio of 30% of the appraised house price and a high loan ratio of 70%;

2. The buyer chooses commercial loans to buy more than two houses, with the lower down payment accounting for 50% of the appraised house price and the higher loan accounting for 50%;

3. The Buyer chooses a commercial loan to purchase the commercial house, and the down payment ratio is 50% of the appraised house price.

(II) Purchase of house by the buyer's provident fund loan:

1. The buyer chooses the provident fund loan to purchase the first house, with the lower down payment accounting for 20% of the appraised house price and the higher loan accounting for 80%;

2. The buyer chooses provident fund loans to buy two houses, with the lower down payment accounting for 40% of the appraised house price and the higher loan accounting for 60%;

3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.

Regarding the second-hand housing, I want to borrow more, and the second-hand housing wants to borrow more. The intermediary said that the full amount was introduced. I wonder if you have found the information you need?