Bank second-hand housing loans are generally proof of income in the last 6 months. The conditions are as follows:

Buying a second-hand house and applying for a mortgage loan shall meet the following conditions:

Having legal identity documents means having legal citizenship;

Have good personal credit and the ability to repay the principal and interest of loans;

Agree to use the house you bought as collateral for the bank;

The purchased house has clear property rights and can be circulated in the real estate market;

The purchased house is not within the scope of the announcement;

Need to open an account in CCB and save enough down payment;

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

It is also necessary to meet the requirements of other matters stipulated by the bank, otherwise it may be rejected.

2. What are the requirements for the income certificate of the bank's second-hand housing loan?

Generally, it is a proof of income for nearly 6 months.

First, the purchase of second-hand housing can apply for mortgage loans, generally should meet the following conditions:

1. Having legal identity documents means having legal citizenship;

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

3. Agree to use the house you bought as collateral for the bank;

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

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

6. Need to open an account in CCB and save enough down payment;

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

Of course, in addition to the above points, the applicant also needs to meet the requirements of other matters stipulated by the bank, otherwise it may be rejected.

Second, the second-hand housing mortgage loans need to prepare information:

1. Legal and valid identity documents of the borrower;

2, the borrower's economic income certificate or occupation certificate;

3. The account book of the borrower;

4. Borrowers with spouses need to provide proof of husband-wife relationship;

5. If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment responsibility;

6, the purchase of second-hand housing property certificate;

7. The house sales contract signed with the seller and the transfer account number provided by the seller.

8. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;

9. The property right of the purchased house * * * A written authorization document that someone agrees to sell the house;

10. Other documents or materials required by the lender.

Third, the second-hand housing mortgage process:

Because in the process of handling second-hand housing loans, banks need pre-approval, and transfer is allowed after approval.

The specific transfer procedures for buying and selling second-hand houses and handling mortgage loans are as follows:

1, 1, submit materials and apply.

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in.

The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

2-7 evaluations in 2 days

According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.

3 Day 8 Bank Approval-10

Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days.

4. Pay the down payment, and handle the transfer on 1 1-33.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

34-35 days for mortgage registration and insurance procedures, bank loans.

After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

3. Will the bank check whether the income certificate is true?

First of all, the audit of income is based on income certificate, bank flow and credit report.

False income certificate is easy to handle, find a unit to issue it, or use a fake stamp to issue it.

However, your fake work unit will not be revoked in the credit report. I can't see your provident fund payment record.

Then the income certificate does not match the credit report.

If you make a fake bank account, first of all, it is the same as making a fake income certificate, that is, providing false information. Secondly, the bank staff may see that your running water is fake.

Fake bank running water has many characteristics, such as paper, such as official seal, such as running water content. Generally speaking, the running water we recognize is the running water of wages, that is, the words salary and bonus will be recognized. The existing personal transfer method does not meet the actual situation of paying wages in qualified work units.

In addition, the unit that pays wages by running water can also verify the authenticity of the work unit. Most of the fake bank flows are relatively simple, the paper thickness is wrong, and the interest settlement situation is not equal. There are more than 20 pictures of fake banks running in my computer.

So generally speaking, if the work unit is good, it is unlikely that the official seal of the income certificate is false. If it matches the provident fund payment record in the credit report, then look at the amount of wages in the bank, which is roughly matched with the income certificate. Then, the authenticity of this person's income is basically guaranteed.

If there is only proof of income and no record of provident fund payment, we will check the nature of the unit. If it is a unit that will pay the provident fund, but has not paid it, we will consider the authenticity of the income certificate. Matching the running water, if there is both personal transfer, then the authenticity of this job and income will be discounted.

Next, I will check the telephone number of my work unit (someone will leave an intermediary number), and go to 1 14 to check with the internet and check by phone. If it can't be verified. Will let the account manager come to the door to verify the authenticity of the work unit without informing the customer.

To sum up, how do you think the intermediary intends to package it for you? False income certificate? Fake bank running water?

Others mentioned that it is a regular deposit, so it can be deposited like this. However, the existing personal transfer, which has no company name and does not match the payment record of credit accumulation fund, is easy to be debunked.

Fake is fake, there are too many loopholes.