In the process of buying and selling second-hand houses, it is generally necessary to apply for loans first, and then go through the transfer procedures. If it is a one-time payment, you need to pay attention to the safety of funds, try to put the payment of the house payment after the transfer of property rights, or you can apply for the payment of the house payment in escrow to minimize the risk. Buyers and sellers must go through the formalities of property right transfer at the real estate trading place designated by the government, pay all kinds of transaction fees according to state regulations, and obtain the property right certificate issued by the government. Buyers and sellers can pay with one hand and hand over the house with the other.

Second, the specific process of second-hand housing sales

1. The buyer and seller of second-hand houses sign a house sales contract, which stipulates that the buyer will pay the house price, down payment and loan ratio by means of second-hand house loan.

2. The buyers and sellers of second-hand houses print the real estate sales agreement in the real estate trading market of the districts and counties where the houses are located, and at the same time, the buyers and sellers sign the Agreement on Collection and Remittance of Private Property Houses in the local Housing Authority, clarifying the entrustment relationship of collection and remittance of transaction funds;

3. Due to the particularity of second-hand houses, buyers need to find an evaluation company to evaluate the purchased property first. Banks will take the lower of the transaction price and the evaluation price as the basis for lending;

4. In order to ensure the security of the second-hand housing loan, the general bank will ask the buyer to provide guarantee. The guarantor can be a financially capable individual or a professional guarantee company;

5. The second-hand house buyer deposits the down payment in the loan bank with the Agreement on Collection and Remittance of Private Property Houses, and obtains the deposit certificate of the down payment. At the same time, he can apply for a second-hand house loan from the bank and submit all loan application materials;

6. After the approval of the bank, the buyer signs a loan contract with the bank, and the bank informs the seller that it can lend money;

7. Finally, when handling the transfer of second-hand houses, the buyers and sellers should go through the transfer formalities with the real estate bureau with the original and photocopy of the real estate license, the sales contract and photocopy, and the ID cards of the buyers and sellers, and the old land certificate should go through the replacement formalities with the Land Bureau.