Every experience in life allows us to summarize a lot of experiences or lessons. No matter what we do, if we can understand the procedures and conditions clearly in advance, I believe we will get twice the result with half the effort. So, what are the procedures and conditions for obtaining a mortgage loan to buy a second-hand house? Today I will take you to learn more about it.

Procedures for mortgage loans to buy second-hand houses:

1. Those who need to apply for a mortgage to buy a second-hand house must first consult the owner whether they are willing to let the customer apply for a mortgage, because the process requires The owner provides some documents (which documents will be presented below), and the house payment needs to be delayed for one month before it is fully paid. Therefore, whether the owner is willing to apply for a mortgage is the basis for the successful transaction of a house.

2. Under the premise that the owner agrees to apply for a mortgage, the procedures are as follows: the buyer and the seller reach an agreement, send the relevant information of both parties to the bank, the appraisal agency evaluates (some banks require it), the bank approves, and sends it to the exchange for transaction. Transaction confirmation, processing of real estate certificates, mortgage notarization, processing of other mortgages, and bank loans.

3. The borrower (buyer) provides information: valid identity documents of the applicant and his or her spouse, household registers of the applicant and his or her spouse, proof of marital status of the applicant, income proof and other asset proofs of the applicant and his or her spouse. , Agree to the property mortgage statement. If there is no *** person, the spouse will sign the spouse's commitment letter. If there is *** person, *** must have the signature of *** person on the mortgage, the payment passbook, and the payment Proof of down payment (receipt of payment), real estate sales contract.

4. The seller provides: ID card (for both husband and wife), marriage certificate, household registration book (for both husband and wife), bank transfer passbook and money card, and a copy of the real estate certificate.

Conditions for second-hand house mortgage loans:

1. Second-hand house mortgage loans refer to individuals purchasing housing or commercial properties where the seller has a property ownership certificate and can be traded on the market. When renting a house, you pay a certain percentage of the down payment yourself, and use the property you want to purchase as collateral to apply for a loan from a cooperative institution.

2. Application conditions: The borrower’s legal and valid identity document, the borrower’s economic income certificate or professional certificate, the borrower’s household registration book, the borrower with a spouse must provide proof of marital relationship, and a ** *If the borrower is the same, a written commitment signed by both borrowers clearly stating their repayment responsibilities must be provided.

3. In addition, the following conditions must be met: the property rights certificate of the second-hand house purchased, the "House Sales Contract" signed with the seller, and the transfer account number provided by the seller . If the mortgage needs to be evaluated, it must be a mortgage evaluation report issued by an evaluation agency recognized by the lender, a written authorization document from the owner of the property to be purchased who agrees to sell the house, and other documents or information required by the lender.

The procedures for buying a second-hand house loan are relatively more complicated than buying a commercial house, but many people still choose to buy second-hand houses, so be sure to understand the mortgage loan application procedures and conditions in detail.