When buying a house, especially about the second-hand house, many people have different questions, and generally there will be more questions about loans. I. Provisions on the loan amount of second-hand housing provident fund 1. The loan amount shall be calculated according to the following requirements and the amount shall be determined. The calculation formula is as follows: (monthly provident fund deposit amount/deposit ratio of borrower and auxiliary borrower× ×A×l2 (month) annual provident fund deposit amount of borrower and auxiliary borrower )× loan period; Note: A is the repayment ability coefficient, which is now set at 0.35. The loan amount of the auxiliary borrower is 200,000 yuan, and the loan amount of the provident fund paid unilaterally is 654.38+10,000 yuan. 2. At the same time, the loan amount for the purchase of various houses cannot exceed the corresponding proportion, as follows: commercial housing: 80% of the total house price; Existing house: 70% of the total house price; Second-hand housing and mortgage purchase: 60% of the lower transaction price and evaluation price; Combination house: 70% of the total house price (sum of provident fund loan and commercial loan). Second, the provident fund loan transfer process? 1. The buyer and the seller signed a house sales contract, in which it was stipulated that the buyer would pay the house price by means of a second-hand house loan, and the down payment and loan ratio were agreed. At this stage, the buyer should generally check the seller's "Property Ownership Certificate", water and electricity records and other documents while looking at the house on the spot. 2. Sometimes the seller will ask the buyer to pay a certain deposit; The Buyer and the Seller shall print the Property Purchase and Sales Agreement in the real estate trading market of the county where the house is located (the agreement shall clearly indicate the payment method of the house price, such as down payment of RMB 10,000, and the remaining funds shall be applied for loans, etc. ) At the same time, the buyer and the seller signed the Agreement on Collection and Payment of Private Property at the local Housing Authority site, clarifying the entrustment relationship of collection and payment of transaction funds; 3. Because of the particularity of the second-hand house, the buyer needs to find an appraisal company to evaluate the purchased property first, and the bank will take the lower of the transaction price and the appraisal price as the basis for lending. It should be noted that some banks will only accept the evaluation report of the designated evaluation company, while some banks do not require buyers to consult the loan bank before the evaluation; In order to ensure the security of the loan, the general bank will ask the buyer to provide a guarantee. 4. The guarantor can be an individual with financial ability or a professional guarantee company. It should be noted that at present, some banks have launched unsecured second-hand housing loans, and buyers should be clear about the guarantee fees charged by banks before handling mortgages; 5. With the Agreement on Collection and Payment of Private Property, the buyer can deposit the down payment in the loan bank and obtain the deposit certificate of the down payment. At the same time, he can apply for a second-hand housing loan from the bank and submit all the loan application materials; After the approval of the bank, the buyer signs a loan contract with the bank, and the bank informs the seller that it can lend money; The buyer and the seller bring the original and photocopy of the real estate license, the sales contract and the photocopy of the ID card of the buyer and the seller to the Real Estate Bureau for transfer procedures, and the old land certificate to the Land Bureau for replacement procedures; 6. The buyer goes to the real estate bureau to handle the mortgage formalities of the property with the real estate license, land certificate transfer receipt, certified sales contract deed tax and other materials; After the bank receives the mortgage certificate, after the loan is issued, the buyers go to the housing management department to get a new real estate license. Property buyers shall repay the loan on time in accordance with the prescribed repayment method, and after paying off the loan, the property buyers shall go through the formalities of mortgage registration cancellation. You need real estate assessment to buy a second-hand house. You can know the price of the house through evaluation, and then you can determine the amount of the loan. You also need to bring relevant materials about the house before you can handle it.