Buying a house by loan takes about 20 working days. The guiding process of second-hand housing transaction is as follows:

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Submit the loan application and sign the loan contract: 1 working day.

3. Property appraisal and third-party guarantee: 1-2 working days.

4. Bank approval: 5 working days.

5. Down payment for house transfer: 1 working day.

6. Pay taxes and get a new real estate license: 4 working days.

7. It takes 3 working days for the bank to receive the loan contract and mortgage registration.

8. Bank loan to the seller, property delivery and final payment: 3-5 working days.