Don't go to an intermediary to buy a house. It's too dark. It is best to go to some websites to buy and sell second-hand houses, but it is estimated that there will be a charge. You can go to Taiyuan 58 and see the same city. There are a lot of information about buying and selling second-hand houses published by the owners themselves, and of course there are intermediaries, but they are marked on the website. More importantly, you can view this information for free. Saving money is the last word. Haha ~ ~ Good luck.
2. What materials do I need to prepare for the second-hand housing provident fund loan in Taiyuan?
Taiyuan second-hand housing provident fund loan application needs to bring information:
(1) Original and photocopy of ID card and household registration book of loan applicant, spouse, * * borrower and property owner, and account number of provident fund. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals;
(2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate;
(3) A down payment receipt voucher of not less than 20% of the house price;
(4) The portfolio loan shall provide the borrower and the borrower's income certificate;
⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function;
6. Original contract for the sale of second-hand houses;
⑦ Original and photocopy of Shangjia ID card and real estate license;
Real estate appraisal report. Before 1990 (inclusive), the loan amount of the second-hand house exceeds 30% of the total house price, and after 1990, the second-hand house exceeds 50% of the total house price, which needs to be appraised by an appraisal company recognized by the agency;
3. What is the second-hand housing loan process in Taiyuan?
Taiyuan second-hand housing to find this specific way of housing, * * * is divided into three ways:
1, network channel: find the real estate network, 58, go to the market network, local forums and other networks to find (the advantage is that there is more information and the quality is mixed);
2. Intermediary: local brand intermediary or directly entrust the national chain regular brand intermediary to handle it (the advantage is that the housing is real and effective, and it costs money to see the house at any time);
3, personal network resources: introduce yourself (the advantage is that you absolutely know the housing, the disadvantage is that it is difficult to bargain).
Satisfied, please adopt.
thank
4. What is the loan process for buying a second-hand house?
If you apply for personal second-hand housing loan in China Bank, the business process is as follows: 1. Signing a sales contract: the borrower and the seller sign a house sales contract. 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 completed the registration of 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. Because there are some differences in different regions, please consult local institutions in detail when applying for loans. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.