(1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract;

(2) Eligible buyers apply for loans from loan banks and provide relevant certification materials;

⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal;

(4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions;

5] The loan bank conducts examination and approval, and informs the loan applicant whether to approve the loan;

[6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities;

(7) The purchaser signs a second-hand house mortgage loan contract with the loan bank;

(8) The Buyer and the Seller send the transferred house ownership certificate to the loan bank for mortgage registration;

(9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the loan principal and interest and cancels the mortgage guarantee.

Extended data:

Generally speaking, the sale of second-hand houses is mainly based on the seller's urgent need for money or the urgent need to buy houses. In either case, it is difficult to promote installment payment to the owners.

Of course, if the two sides have reached an agreement, it is ok, but we should pay attention to the following points.

First, we must sign relevant contracts in accordance with relevant legal procedures, and we also need to discuss the time of transfer.

Second, before signing the relevant contract, we need to find out whether there is mortgage or freeze.

Once you start signing the relevant purchase contract, you must pay attention to the provisions in the above detailed rules. You also need to put the receipt and your purchase contract in a contract, so that you can leave a note under your contract and then leave a few lines blank for him to sign the relevant receipt.

References:

Baidu encyclopedia-mortgage loan