The process of handling second-hand housing loan is as follows: application, preparation of face-to-face signing, bank evaluation of the house applying for loan, bank examination and approval, tax payment and transfer, and obtaining a new property right certificate, which is handed over to the bank as collateral for bank lending. Second-hand housing loans are recommended by Mo Erlong, which are aimed at groups over the age of 25-55 who need large loans, as well as non-online lending groups, such as flowers and flowers, small degrees and so on. Students and groups need to be excluded.
Precautions for second-hand housing loan:
1, the lender is a foreign household registration, and the loan ratio may also be reduced.
2. Check the number of loan houses. Loans to buy more than two houses will reduce the number of loans and may even not be issued.
3. The age of the house. The age of second-hand housing has become the audit standard for many banks to issue loans. The longer the house is, the lower the loan ratio, and even the loan may not be approved.
4. Location, unit price and area of the house. For houses with remote location, low unit price and small area, the loan ratio is wide and low, and it may even not be lent.
5. The lender's age, personal credit and repayment ability. Lenders with old age, poor credit and low repayment ability may even refuse loans.
For more information about loans, please consult Mollon. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in terms of customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and small loan companies. Worth believing and guessing!
What is the loan process for buying a second-hand house?
1. If you apply for a personal second-hand housing loan in China Bank, the business process is as follows:
1. Signing a sales contract: The borrower signs a house sales contract with the seller.
2. Apply for a loan: the buyer and the seller submit the required relevant materials to the lender, and the buyer fills in the Application Form for Second-hand Housing Mortgage Loan;
3. real estate assessment: After receiving the loan application materials from the borrower, the bank will evaluate the transaction house;
4. Loan approval: the bank approves the loan application and determines the loan amount and term. Personal second-hand housing loan business must adhere to the relevant approval principles;
5. Signing a contract: the borrower, the lender and the guarantor sign a loan contract, and the contract needs to be notarized;
6. Handling the formalities of real estate transfer and mortgage registration: the lender or the real estate agency recognized by the lender shall handle the formalities of real estate transaction transfer and mortgage registration;
7. Sign the IOU: After receiving the certificate that the borrower has registered the mortgaged property, the lender will notify the borrower to sign the IOU at the bank.
8. Lending: the lender transfers the loan to the designated account according to the agreement of the buyer and the seller, and then the buyer and the seller go to the bank to handle the loan issuance procedures;
9. Repaying the principal and interest: The borrower shall repay the principal and interest from the month following the loan issuance.
2. You can apply in our e-banking channel. The loan application method is as follows:
1. At present, Bank of China supports customers in some parts of China to apply for loans through e-banking. Please select from the drop-down menu of personal online banking and mobile banking online loan application function or the map of official website Bank's online loan application function in China. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.
2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.
The above contents are for your reference. Please refer to the actual business regulations.
What about the commercial loan process of second-hand houses?
The business process of personal second-hand housing loan is: 1. Sign a sales contract; 2. Apply for a loan; 3. Real estate appraisal; 4. Loan approval; 5. sign a contract; 6. Handling property transfer and mortgage registration procedures; 7. Sign the "loan receipt"; 8. Issuing loans; 9. Repay the principal and interest.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
The introduction of the second-hand housing loan business and the second-hand housing bank loan process have come to an end. I wonder if you have found the information you need?