With the gradual rise of the second-hand house market, more and more people want to buy second-hand houses. Recently, a friend asked the editor, can I still get a loan for second-hand houses now? Today the editor will answer the question for you. Friends who want to know may wish to join the editor to see how to apply for a loan to buy a second-hand house!

1. Can I still get a loan for second-hand houses now?

It is possible to get a loan to buy a second-hand house now. However, the following conditions must be met before a loan can be obtained: the lender's credit report is good and there are no problems; the bank's capital flow is normal; and the construction period of the property must not exceed 15 years.

2. How to apply for a loan to buy a second-hand house

1. First, the buyer and the house buyer should sign a house sales contract.

2. Those who meet the loan conditions can submit a loan application to the bank and prepare relevant certificates and materials.

3. Next, the buyer and the seller go to the appraisal agency designated by the bank for property appraisal.

4. Next, the staff will review the borrower's credit standing, the supporting materials provided, the housing evaluation report, etc., and after analysis, give a "Legal Opinion".

5. If the loan bank’s approval is passed, the lender will be notified.

6. Next, the buyer and seller should go to the local housing authority to handle the property transfer procedures. After completing the transfer, the lender should go to the bank to handle the loan procedures.

7. The buyer will then need to sign a second-hand housing mortgage loan contract with the loan bank.

8. Next, the buyer and the seller need to mortgage the transferred house ownership certificate to the bank where the loan was taken and go through the house mortgage procedures.

9. After the loan contract comes into effect, the bank providing the loan will transfer the amount specified in the loan contract to the lender's account.

10. Afterwards, the lender only needs to make monthly repayments.

11. After knowing that the lender has repaid the principal and interest of the loan, the mortgage guarantee can be released.

The editor summarizes: The above is what the editor has shared with you. Can you still get a loan for second-hand houses now? and how to apply for a loan to buy a second-hand house. I believe you will have a corresponding understanding after reading the above sharing. If you need For more relevant information, please continue to pay attention to the Qijia.com website, and the editor will answer your questions one by one.