Second-hand houses are very popular now, but there are relatively few families who buy houses in full. Most families will choose to apply for a loan from the bank to pay for the house purchase, and then repay the principal and interest to the bank in installments. The second-hand housing installment loan process is more troublesome than the new housing loan. Let's take a look at the relevant knowledge.

Purchase of second-hand housing installment loan process

1. application

Buyers and sellers go to the bank to go through the formalities together. First of all, they got the application form of personal loan for second-hand housing at the front desk and filled it out completely. Then they give the application form and other materials to the bank staff for review. After a preliminary assessment, the staff will give an approximate loan amount and term. It takes about a day.

estimate

The bank will contact the designated appraisal institution for professional house appraisal, and after completion, the appraisal institution will make a house appraisal report to the bank. The parties need to pay the evaluation fee, and the evaluation time is inconsistent, which takes about 3-5 days.

3. Sign a loan contract

The buyer and the seller go to the bank to sign a loan contract with relevant information. The buyer is an ID card, household registration book, marriage certificate, bank card, running permit, work certificate, etc. The seller's information includes ID card, household registration book, marriage certificate, property right certificate and bank card of the loan bank. After all the materials are submitted, they will wait for the approval of the bank, which is usually within 10 working days according to the different approval time of the bank.

4. Bank staff approval

Bank staff will examine the qualifications of applicants. If it is approved, the bank will evaluate the price according to the house and conduct relevant examination and approval according to the lender's qualification. Generally speaking, the approval process takes about 5 working days.

Transfer ownership

After approval, pay the down payment to the seller. Then the two parties and the bank staff took the down payment certificate, the bank's mortgage application review commitment and other materials to the real estate exchange to handle the transfer of housing property rights. When the transfer is completed on the same day, it usually takes about 20 working days to get the real estate license.

Conclusion: The related knowledge of the second-hand housing mortgage loan process is introduced here for everyone. The mortgage cost of second-hand housing is more than that of new housing, so it is best to know the relevant knowledge in advance so that the later process can be smoother. For more information, please keep an eye on Qijia. Com information platform.

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