Specific operation of buying a second-hand house with a loan: 1. Provide personal income certificate, marital status certificate, copy of business license of the unit with official seal, and some banks also need to provide asset certificate and education certificate. 2. Talk with the lawyer appointed by the bank, verify the authenticity of the second-hand housing information and state the rights and obligations; 3. The bank appoints an appraiser to evaluate the real estate, issue an evaluation report, and comprehensively review whether to provide loans and loan quotas. 4. After passing the examination, the bank will issue a loan commitment letter and notify the buyer and the seller to handle the transfer procedures. 5. Apply for mortgage registration after the real estate license is issued. 6. Bank loans.
Second, the process of applying for a loan when buying a second-hand house, and how to apply for a loan when buying a second-hand house?
The transfer of real estate is definitely going to the lobby of the real estate bureau for transfer procedures. There are generally two procedures for the transfer of second-hand houses: 1 Yes; If it is sold by an intermediary company, the intermediary company, as the agent of the buyer and the seller, will go through the transfer formalities with the real estate bureau. 2 yes; Private transactions, housing buyers and sellers to the real estate bureau for transfer procedures. The transfer time is subject to the transfer acceptance form of the real estate bureau. The real estate bureau stipulates that it is 30 working days. (But generally 1 week can handle it. Before the transfer, a sales contract must be signed, and the pre-declared deed tax must be paid before the transfer. The loan to buy a second-hand house is to pay the down payment. The bank rules for down payment are also used as proof of down payment for buying a house (issued to bank staff). Generally speaking, paying the down payment means paying all loan materials at the same time (loan materials include: down payment, ID card, household registration book, income certificate, marriage certificate, etc. ).
Third, how to apply for a loan when buying a second-hand house?
Legal subjectivity: Buying a second-hand house loan: Step 1, apply for a salary certificate from the work unit and affix the official seal, and then go to the local China bank to print personal credit certificates and other materials. The second step is to apply for a loan from the loan bank and submit relevant certification materials. Banks can issue loans after acceptance and approval.
Legal objectivity: Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. Article 29 All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law. Article 30 The lender shall issue the loan on schedule according to the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.