I have a second-hand house that is paying the loan and wants to sell it. Do you want to buy a second-hand house with a loan now, you must pay off the house money in one time before you can transfer ownership? How about buying the second-hand house with loan? Second hand housing loans to pay attention to what?
1. Bank credit investigation (go to the people's Bank of China to check the buyer's credit information)
2. Investigation of house property rights (to investigate whether the real estate is mortgaged, sealed up, separated, inherited, and co owners)
3. Pay the deposit to the seller and reserve the balance of the house
4. When the house is transferred, the bank shall examine the loan conditions
5. Bank loans
6. Both parties to do property delivery
7. Pay the balance to the seller, try to choose the national chain of formal brand intermediary agencies, for the safety of both sides of the transaction more guaranteed.
Development materials:
Second hand housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay for the house purchase, and then repays the principal and interest to the bank by stages.
Loan is a form of credit activities in which banks or other financial institutions lend money at a certain interest rate and must repay. The broad sense loan refers to the loan, discount, overdraft and other loan funds.
By lending money and monetary funds, banks can meet the needs of social reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
(1) the buyer and the seller sign the house sale agreement or house sale contract;
(2) qualified buyers apply to the lending bank for loans and provide relevant supporting materials;
(3) both the buyer and the Seller shall go to the appraisal institution designated (recognized) by the lending bank for house appraisal;
(4) the law firm shall verify, investigate and analyze the credit certification materials and evaluation report of the borrower, and issue the legal opinion;
(5) the loan bank shall examine and approve the loan and inform the loan applicant whether or not to approve the loan;
(6) the buyer and the Seller shall handle the property right transfer procedures. After the transfer, the borrower shall go to the bank for loan procedures;
(7) the buyer signs the second-hand house mortgage loan contract with the loan bank;
(8) the buyer and the Seller shall send the house ownership certificate after transfer to the loan bank for mortgage registration;
(9) after the loan contract comes into effect, the loan bank shall transfer funds according to the loan contract;
(10) monthly repayment by the borrower;
(11) the borrower shall pay off the principal and interest of the loan and release the mortgage guarantee.