Transfer money. A down payment means that the buyer needs a loan. Second-hand housing transactions, the first is online signing for the record. After passing, the buyer can go to the bank to supervise the down payment funds. After obtaining the supervision certificate, the buyer and the seller prepare all the information and submit it to the bank to be loaned for review. After the bank has passed the examination, it can handle the transfer.

Generally, the buyer will pay the down payment to the seller's account within 2 hours after getting the property certificate. At this time, the buyer can apply for a loan in the bank with the title certificate.

Second, can I get a loan for buying a second-hand house? How much is the down payment

One, two people will encounter such a problem, the same credit policy, why is the second-hand house down payment higher than the new house? In fact, although the down payment ratio is the same, the down payment of second-hand housing commercial loans = transaction price-housing appraisal value x loan ratio, and the loanable amount of second-hand housing = housing appraisal value x loan ratio. The so-called evaluation means that before signing the loan contract, the bank will find an evaluation company to take photos of the mortgaged property and evaluate the asset value. This price fluctuates the most, the real transaction price of the hand house is 6.5438+0.09 million, and the lowest down payment ratio in the city is 30%. The down payment for a house is 654.38+000-30) = 370,000.

Second, what are the factors that affect the second-hand house down payment, so the second-hand house down payment affects the loanable amount of the house?

1, the bank will calculate the age of the second-hand housing loan. In this way, the loan amount for new houses will be higher, the loan amount for slightly longer houses will definitely be much lower, and the down payment for second-hand houses will be higher.

2. Housing evaluation price The evaluation report of second-hand housing will directly affect the loan amount before the transaction. So the evaluation is high; The higher the evaluation price, the lower the down payment. Factors affecting the evaluation price:

(1) room type, the greater the housing utilization rate, the higher the evaluation price, and the second-hand houses with "three small" rooms (small hall, kitchen and bathroom) will be deducted from the evaluation price by about 10%;

Interlayer > top layer > bottom layer; Banlou: middle floor > 1 floor >

For floors 5 and 6, if it is the benchmark price 1, floors 2 and 6 will be reduced by 3%, floors 3 and 4 will be increased by 3%, and if it is the roof, it will be reduced by 5%;

(3) The service life of the house will affect the price evaluation. The longer the service life of the house, the older the house, and the lower the valuation. The shorter the service life, the younger the house and the higher the valuation.

(4) Architectural orientation: southeast > southwest > Shuangnan > east > west > northwest > north; Banlou: North and South > Shuangnan > East and West > East; In addition, the area, decoration and property right of the house can directly or indirectly affect the evaluation price of the house.

3. The landlord requires that when the house is traded, if the landlord requires an increase in the down payment, both parties need to negotiate and decide to change it. Buying a second-hand house is generally handled through an intermediary company. Choosing a reliable intermediary company can save a lot of houses, and can also help intermediary companies and landlords bargain and minimize the purchase price.

The content of this article comes from: Questions and Answers on Home Decoration Knowledge of Building Industry Press.

3. Can I get a loan for buying a second-hand house? What is the down payment?

Second-hand houses can apply for mortgage loans. The specific operation process is as follows: 1. Apply. The buyer and the seller bring all the materials to the bank to fill in the relevant documents, and the bank staff make a preliminary evaluation according to the documents, giving the approximate loan amount and life, and then the buyer and the seller go to the evaluation agency designated by the bank to evaluate the house. 2. The bank examines the qualifications of the applicant and decides whether to approve the loan. 3. The buyer pays the down payment to the seller, and then the buyer and the seller go through the formalities of property right transfer. Wait 20 working days to buy a house to get the real estate license. 4. The buyer goes to the bank to go through the loan formalities, signs a mortgage loan contract with the bank, and then the buyer and the seller go through the mortgage formalities. 4. The bank transfers funds according to the loan contract, and the buyer repays the loan monthly according to the contract until the loan principal and interest are paid off and the mortgage guarantee is lifted. The down payment amount of second-hand housing loans needs to be considered in combination with the following factors. 1, total house price. Generally speaking, the down payment of second-hand housing loans is calculated according to the proportion of the total housing price. 2. Is it the first set? If it is the first second-hand house, the down payment of the loan is not less than 30%. If it is a loan to buy a second-hand house, the loan down payment is generally not less than 60%. 3. Local policies. Different regions have different policies, so the down payment is different. So it's best to go to the local bank to find out the situation, and then choose the right bank to handle the loan.

Fourth, can second-hand houses be mortgaged, and how are the down payment and monthly payment stipulated?

Second-hand houses with the age of 1 and 15 can be mortgaged, and the excess depends on the specific housing.

2. The loan ratio of general commercial banks is as follows:/kloc-70% for loans within 0/0 years, and 50-60% for loans within 0/0 to 0/5 years.

3. The monthly payment is calculated according to the loan amount, loan term and execution interest rate, which is the same as the calculation method of buying a new house loan. The formula of equal principal and interest repayment method is very complicated and involves a lot of "power". It is recommended to check online. The following is the calculation formula of equal principal and interest repayment method: loan principal/loan term [loan principal-loan term (N- 1)] annual interest rate.