First, the conditions for applying for second-hand housing mortgage loans
1. Having legal identity documents means having legal citizenship;
2. Have good personal credit and the ability to repay the loan principal and interest;
3. Agree to use the house you bought as collateral for the bank;
4. The property right of the purchased house should be clear and can be circulated in the real estate market;
5. The purchased house is not within the scope of the demolition announcement;
6. Need to open an account in CCB and save enough down payment;
7. There is no bad credit record when applying for a loan;
Of course, in addition to the above points, the applicant also needs to meet the requirements of other matters stipulated by the bank, otherwise it may be rejected.
Second, the second-hand housing mortgage loan process
1. Determine the mortgage service company and loan scheme. Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan.
2. Inquire about provident fund (if individuals need provident fund loans). After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.
3. Sign a house sales contract. The borrower and the seller must sign a house sales contract.
4. Prepare loan information and review loan eligibility. The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.
5. Sign loan agreement, notarization and insurance. The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees.
6. Handle the house transfer and mortgage procedures. The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.
7. Apply for real estate license and mortgage certificate. After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank.
8. Bank loans. This is the ultimate goal and the last step of loan success. After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.