1. How to apply for house purchase loan guarantee and process for second-hand housing transactions?

Second-hand house mortgage loan application process:

1. Submit materials and apply;

2. House evaluation;

3. Bank approval;

4. Pay down payment, handle transfer;

5. Go through real estate mortgage registration, insurance procedures, and bank loan. The process of applying for second-hand housing loan guarantee is as follows: 1. Collect the relevant information of the buyer and seller required by the lending bank; 2. Assist the lender (buyer) to sign the bank loan document and submit it to the bank for preliminary review; 3. Assist the buyer and seller to handle the transaction transfer; 4. . After the buyer receives the new property rights certificate, he will hand over the original property rights certificate, original sales contract, original tax deed and original land certificate to the guarantee company; 5. After the buyer's new property rights certificate is issued, the guarantee company will send the loan text and the buyer's real estate information to the guarantee company. Approval by the lending bank and provident fund center;

6. After the bank approval is completed, the loan will be issued to the customer with the "Letter of Guarantee" issued by the house purchase guarantee company;

7. The loan arrives at the house purchase After guaranteeing the company's account, the buyer and seller are notified to sign on site and the seller collects the house payment;

8. The house purchase second-hand house loan guarantee company handles the land certificate and house mortgage procedures on behalf of the buyer. Submit the real estate certificate and land certificate to the buyer, and submit the other property rights certificates to the bank.

2. Second-hand house loan transfer and house purchase process

Transfer process 1. House buyers and house sellers need to submit relevant application materials to the bank, and the bank staff will roughly determine the loan after review Amount and loan term. 2. Banks and buyers and sellers must go to an appraisal agency to evaluate the market value of second-hand houses. 3. The bank will make specific determinations on the loan amount and loan period based on the evaluation results and the review of the borrower's qualifications. 4. After passing the review, the borrower can pay the down payment to the seller and apply for the transfer procedure. After the borrower obtains the real estate certificate, he needs to apply for mortgage registration procedures. After all procedures are completed, the bank will credit the remaining amount to the seller's account. House purchase process 1. Determine the mortgage service company and loan plan: Before applying for a loan, the borrower first needs to confirm the mortgage service company with the intermediary, provide loan consultation to the mortgage service company, and determine the loan plan. 2. Inquiry into provident fund (if a provident fund loan is required): After confirming the intention to purchase a house with the seller, the borrower provides the provident fund account number, and the mortgage service company conducts provident fund inquiry to determine the loan amount and loan period. 3. Sign a house sales contract: The borrower and the seller sign a house sales contract. In the loan, they agree on the transfer time, household registration transfer, etc. 4. Prepare loan information and review loan qualifications: The mortgage service company assists the borrower in preparing loan information in accordance with bank requirements. Some houses require a house price evaluation by a designated appraisal company; and the mortgage service company conducts a preliminary review. 5. Sign a loan agreement, notarize, and insure: The mortgage service company will submit the loan information after the initial review to the lending bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and handle the notarization of the agreement, and charge fees at the same time, including Home insurance premiums, etc. 6. Handle the house transfer and mortgage procedures: The borrower goes to the trading center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the lending bank through the mortgage service company. 7. Apply for the real estate certificate and mortgage certificate: After the lender's real estate certificate and other certificates of rights are issued, the mortgage service company will hand over a copy of your property certificate and the original certificate of other rights to the bank. 8. Bank lending: After receiving the above two certificates from the borrower, the bank will issue the loan amount to the borrower.

3. Second-hand house transaction process, how to apply for a loan, and whether the loan needs to be transferred before applying for the loan

If it is a "second-hand house", you generally need to apply to China Merchants Bank before handling the property transfer procedures. To apply for a loan, you need to provide your personal information and the status of the property you purchased, which will be reviewed by the personal loan department. For specific development information, please contact the personal loan department of the local branch for consultation.

4. What procedures need to be completed after paying off the mortgage for a second-hand house?

After paying off the mortgage, you should promptly bring the property certificate, ID card and the housing management bureau to cancel the house mortgage. Procedure, you have completed this procedure.

If you have never understood that your house will always be in a mortgage state, there is no need to apply for it.

1. Second-hand house loan

Refers to the transaction of buying a house. A loan business in which a building is used as a mortgage and a bank is applied for a loan to pay for the house purchase, and then the house buyer repays the principal and interest to the bank in installments. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction, promote loan interest income, and increase banks

According to the relevant answers to the above content, you can It is concluded that after the second-hand house loan has been paid off, you should bring the real estate certificate, ID card and proof of loan settlement to the local housing authority to handle the decompression procedures for the house. After that, the house will have no mortgage

1. Signing a sales contract

The buyer and seller sign a "House Sales Contract" to pay the house price through a second-hand house loan, and agree on the down payment and loan ratio. . At this stage, the buyer should generally check the seller's "House Ownership Certificate", water and electricity bill records and other documents while viewing the house on site.

2. Determine the entrustment relationship

The buyer and seller go to the housing market to print out the "House Collection and Payment Agreement" signed by the real estate buyer and seller on site at the local housing authority bureau to clarify An entrusted relationship for the collection and payment of transaction funds.

3. Appraisal of real estate

Since second-hand houses are specially purchased for appraisal, banks will base their lending on the lower of the transaction price and the appraised price of the house. It should be noted that some companies do not require appraisal reports, while some banks do not require them. Therefore, home buyers should consult the lending bank before conducting appraisals.

4. Apply for loan guarantee

In order to ensure the safety of the loan, the guarantor can be an individual with financial ability or a professional guarantee company. Banks have already launched unsecured second-hand housing loans. Therefore, home buyers must be clear about the guarantee fees charged by their bank before applying for a housing loan.

5.

The buyer holds the "House Collection and Down Payment" and obtains proof of deposit of the down payment. At the same time, the buyer can apply for a second-hand housing loan from the bank and submit all loan application materials. .

6. Sign a loan contract

The bank will review the application materials submitted by the buyer. After passing the review, the buyer can sign a loan with the bank and notify the seller that the loan is payable.

7.

The buyer and seller should bring the original and copy of the real estate certificate to the contract, the household registration procedures of the buyer and seller, and bring the old land certificate to the Land Bureau for replacement procedures

The buyer brings the real estate certificate, land certificate transfer receipt, certified sales contract, and deed tax invoice for mortgage procedures.

9. Bank lending

The bank will lend money after receiving the mortgage certificate. After the loan is issued, the buyer will receive a new property certificate from the housing management department.

10. Repay on time

The home buyer shall handle the mortgage registration and cancellation according to the prescribed repayment method.

2. Second-hand house transaction process

(1) Buyer consultation

Buyers and sellers establish information communication channels, and the buyer understands the overall status of the house and its certificates, including the house Certificates of ownership, identity documents and other documents.

(2) Sign the contract

After the seller provides the legal documents of the house and reach an agreement, the two parties sign at least three copies of the house sales contract

The buyer can Pay a house purchase deposit (paying a house purchase deposit is not a required procedure for commercial housing sales), and the buyer and seller sign a house sales contract (or house sales contract). Through negotiation, the buyer and the seller agree on the location of the house, property rights status and transaction price, house delivery time, house delivery, property rights management, etc.

Legal Basis

"The People's Republic of China and the People's Republic of China" Urban Real Estate Management Law

Article 36 For the transfer or mortgage of real estate, the parties concerned shall handle ownership registration in accordance with the provisions of Chapter 5 of this Law.

Article 62 When mortgaging real estate, mortgage registration shall be handled with the department specified by the local people's government at or above the county level.

If the land use rights and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be carried out in accordance with the provisions of this chapter.