Buying a second-hand house can apply for a mortgage loan. You can apply for mortgage loan in the bank with real estate license, sales contract, seller information, ID card, etc. After the application, the bank will first evaluate the value of the house, determine the loan amount, and then sign a mortgage contract with the buyers to issue loans. But you should pay attention to whether the second-hand house is too old, because some banks will not lend money to this kind of house.

1. What is the second-hand housing mortgage loan process?

1. Application: The buyer and the seller take all relevant materials and go to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The staff made a preliminary evaluation of the materials and gave the approximate loan amount and years. Then the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

2. According to the agreed time, the real estate appraisal agency will go to the Property Office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The specific time will depend on the agreed situation, and it can be completed within 3 to 5 working days. The counterparty is required to pay the evaluation fee.

3. Banks should examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and loan term according to the assessed house price and comprehensive lender qualification. The approval process usually takes about 5 working days.

4. After approval, the buyer shall pay the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

5. After obtaining the real estate license, apply for real estate mortgage registration and insurance. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

Second, how much is the agency fee for second-hand houses?

Real estate brokerage fees are charged at different rates according to different agency projects. The agency fee for house leasing, especially the length of the lease term, is based on the transaction rent from half a month to January, and both parties agree to collect it in one lump sum through negotiation. The agency fee for house sales is charged at 0.5%-2.5% of the total transaction price. For the agency, the charging standard shall be determined through consultation between the entrusting party and the real estate agency, which may be appropriately increased, but the height shall not exceed 3% of the transaction price.