The process of remortgage loan is to apply to lenders such as banks for remortgage loan, then submit the loan application form and materials to prove that I meet the loan conditions, which will be reviewed by the lenders, then conclude a remortgage loan contract, and then issue loans to the applicants after the final contract takes effect.

Legal objectivity:

Second-hand housing to mortgage loans need to follow certain procedures. Because it involves the interests of three parties, its handling procedures are relatively complicated. According to the relevant regulations, the procedures mainly include: 1, the buyer and the seller sign a house sale agreement or a house sale contract; 2. Eligible buyers apply for loans from loan banks and provide relevant certification materials; 3. The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; 4. The law firm shall identify, investigate and analyze the borrower's credit certification materials and evaluation reports, and issue legal opinions; 5, after the approval of the loan bank, notify the loan applicant whether to agree to 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 housing mortgage loan contract with the loan bank; 8. The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; 9. After the loan contract comes into effect, the loan bank transfers funds according to the loan contract; 10. The borrower repays the loan monthly; 1 1. The borrower pays off the loan principal and interest and cancels the mortgage guarantee. The above briefly introduces what is the second-hand housing mortgage loan, what materials are needed to apply for mortgage loan and what needs to be done. For many people, the second-hand housing mortgage loan is still a relatively new thing and relatively unfamiliar. Of course, compared with direct loans from buyers and banks, second-hand housing to mortgage loans will be relatively complicated and troublesome. If the buyer or seller is not familiar with these procedures or formalities and lacks contract knowledge, it is recommended to find a professional real estate lawyer for help. Whether it is procedural matters such as going through formalities or substantive matters such as reviewing contracts, it will be of great help to its parties and achieve the goal of saving money and efficiency.