The mortgage loan process of the buyer's bank requires the seller's signature in the bank. Part of the second-hand housing mortgage loan is directly issued by the bank to the seller, and the seller needs to provide corresponding information to the bank to sign and prove his identity.

Second-hand housing loan process:

1. The buyer and the seller sign a sales contract or agreement, stipulating that the down payment and the down payment ratio shall be paid by means of second-hand housing loan;

2. The buyer and the seller print the Property Purchase and Sale Agreement on the spot of the real estate trading market, and sign the Agreement on Collection and Payment of Private Property Houses on the spot of the local Housing Authority, so as to clarify the entrustment relationship of collection and payment of transaction funds;

3. Evaluate the second-hand house as the basis of the loan amount;

In order to control risks, some banks will require guarantee companies to participate in loans. If the applicant bank does not need a guarantee company, this link will be exempted;

5. After buying a house and paying the down payment, bring all the information to the bank to apply for a second-hand housing mortgage loan;

6. 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;

7. The Buyer and the Seller shall handle the transfer formalities with the materials and relevant certificates;

8. The buyer shall go through the mortgage formalities with the real estate license, land certificate and transfer formalities at the Real Estate Bureau;

9. After the bank receives the mortgage certificate and lends money, the buyer goes to the housing management department to get a new real estate license;

10. After the Buyer pays the principal and interest as agreed in this contract, the mortgage registration shall be cancelled.

Legal basis:

Article 11 of the Interim Measures for the Administration of Personal Loans

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.