The notary office has a service called "notarized deposit" and some banks also have this service called "performance bond". However, if it is a loan, the above-mentioned institutions can only carry out the above operations on the down payment part of the house purchase. Part of the loan from the bank is paid by the bank, so there is no guarantee and there will be no risk. After the ownership transfer and mortgage registration, the bank will pay all the money to the owner.
Second, the second-hand housing transaction loan application and handling process?
Sign the contract 2 and handle the bank mortgage formalities 3. Name of the loan agreement certificate issued by the bank. Handle the transaction submission procedures 5. Check and pay taxes. Handle the transfer of ownership. Issue a new real estate license. Submit a new certificate. Go through the mortgage registration formalities 10. Loan process: issue proof of income and bank memo, household registration book and ID card (copy) to the mortgage company to sign the mortgage contract, and wait for the bank to confirm that there will be proof of loan approval.
Third, how to handle the second-hand housing loan?
1. Determine the mortgage service company and loan scheme. Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan. 2. Inquire about provident fund (if provident fund loans are needed). After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term. 3. Sign a house sales contract. The borrower and the seller sign a house sales contract, and the transfer time and account transfer are agreed in the loan. 4. Prepare loan information and review loan eligibility. The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit. 5. Sign loan agreement, notarization and insurance. The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees. (Due to the particularity of second-hand housing transactions, banks generally designate loan guarantee companies to provide services, and guarantee companies generally charge handling fees and guarantee fees. 6. Handle the house transfer and mortgage procedures. The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company. 7. Apply for real estate license and mortgage certificate. After the lender's real estate license and other rights certificates are issued, the mortgage service company will hand over a copy of your real estate license and the original of other rights certificates to the bank. 8. Bank loans. After receiving the above two certificates from the borrower, the bank will issue the loan amount to the borrower.