What is the operation process of second-hand housing mortgage loan guarantee?

What is the operation process of second-hand housing mortgage loan guarantee? (b) Determining the mortgage service company and loan guarantee scheme [/b] Before handling the loan guarantee, the borrower needs to determine the mortgage service company with the intermediary, and ask the mortgage service company to conduct loan guarantee consultation and determine the loan guarantee scheme. [b]2。 Inquire about provident fund (if provident fund loan guarantee is needed) [/b] After confirming the intention of buying a house with the seller, the borrower provides the provident fund account number, and the mortgage service company inquires about the provident fund to determine the loan guarantee amount and loan guarantee period. [b]3。 Sign a house sales contract [/b] The borrower and the seller sign a house sales contract. Due to the different requirements of the trading center, the houses in Jiang 'an, Jianghan, Qiaokou and Hongshan need to be transferred to the trading center in this area after the contract is signed. [b]4。 Prepare loan guarantee materials and review loan guarantee qualification [/b] The mortgage service company shall assist the borrower to prepare loan guarantee materials 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. [b]5。 Signing loan guarantee agreement, notarization and insurance [/b] The mortgage service company will submit the loan guarantee information after preliminary examination to the loan guarantee bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan guarantee agreement with the bank and notarize the agreement, and collect fees, including home insurance fees. [b]6。 Handle the house transfer and mortgage procedures [/b] The borrower goes to the transaction center in the area where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan guarantee bank through the mortgage service company. [b]7。 Handle the real estate license and mortgage certificate [/b] After the real estate license and other rights certificate of the loan guarantor are issued, the mortgage service company will hand over a copy of your real estate license and the original certificate of other rights to the bank. [b]8。 Bank Lending [/b] After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.