Can't a second-hand house be loaned?

Second-hand housing can still be loaned, although second-hand housing loans have indeed tightened, and the approval is stricter than before. At present, the interest rate of bank second-hand housing loans has increased compared with previous years, and the lending quotas of major banks are relatively tight. After approval, it is necessary to wait for the quota, and the lending time is uncertain.

Second-hand housing loan process:

1, prepare materials.

After the buyers determine the loan bank, they begin to prepare the loan materials. First, he will submit materials and apply for a loan. Buyers and sellers bring relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years.

2. evaluation.

Second-hand housing will be evaluated, and real estate evaluation agencies will go to the housing management office for evaluation. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. The counterparty is required to pay the evaluation fee.

3. sign the contract.

The buyer and the seller sign a real estate sales contract with the intermediary, the buyer pays the down payment to the seller, and the seller gives the real estate license to the broker for safekeeping. After confirming the clear property rights, the broker will transfer the down payment to the seller, and the seller will pay the commission (the seller's special certificate is in hand). The seller will deposit all the house payment into the designated bank account as the fund supervision, and pay the commission and related expenses (pay the house payment in one lump sum).

After the seller redeems the real estate license and cancels the mortgage registration, the house is entrusted to the guarantee company for custody, and the broker transfers the custody deposit to the seller, and the seller pays the commission (the seller holds the certificate in the mortgage of the seller's house). The buyer and the seller sign a real estate sales contract and handle the transfer.

4. Bank approval.

The bank shall examine and approve the materials submitted by the lender, the loan bank shall examine and approve the qualifications of the loan applicant. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the lender's qualification. The approval process usually takes about 5 working days.

5. Transfer loans.

After the approval, the buyer pays the down payment to the seller. With the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials for the transfer of housing property rights.

Then go through the formalities of mortgage registration and insurance, bank loan, and mortgage registration and insurance after the buyer gets the real estate license. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the principal on time according to the contract.