I would like to ask what the second-hand housing loan process is in Nanjing.

1. What is the second-hand housing loan process in Nanjing?

The process is as follows:

Go to the bank with the owner and apply for a loan from the bank

——The bank loan is approved and the mortgage contract is issued

——Go to the housing management bureau with the owner to transfer the ownership (submit documents)

——Pay the tax (housing management office) After verifying that the documents are correct, notify the buyer and seller to pay the tax)

——Rename of the real estate certificate (you can see the original real estate certificate on the spot with your name on it, but it will usually be taken away by the mortgage company/bank immediately), < /p>

——Mortgage to the bank (the bank has a lot of mortgage procedures to do, waiting for the bank to disburse the loan)

——Loan (the mortgage company or bank will notify you that the loan will be issued in the second month after the loan is disbursed) It’s time to start repaying the loan)

-Get the original mortgage contract/real estate certificate (not every bank will give you the real estate certificate, some banks will help you keep the real estate certificate until the loan is paid off)< /p>

In fact, when I was buying a house, I felt that the most important thing was not the steps to go to the housing authority to obtain the certificate, but the verification of the housing qualification before submitting the application! Because many owners will require the buyer to pay the down payment on the day the documents are delivered, but it will be a few days before the tax is actually paid and a new property certificate is issued. Although generally speaking, when the housing authority accepts the transfer documents from both parties, it means that there is no problem with the property's qualifications and the property can be transferred, but there is always a time lag of a few days in between, which makes me feel a little uneasy. . .

Be sure to check the ownership of the house, whether there is a mortgage, and whether there is any mortgage at the Housing Authority in advance.

Good luck!

2. I would like to know what the second-hand housing loan process is in Nanjing

House mortgage

Real estate certificate (the house mortgage must be mortgaged to the bank);< /p>

ID cards of the right holder and his/her spouse;

Hukou booklet of the right holder and his/her spouse;

Marriage certificate of the right holder (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau) Proof of income);

Proof of income (this certificate has an impact on the success of the house mortgage bank loan.);

If the owner of the real estate certificate has underage children, please provide the birth certificate;

If there is a bank loan in the property, please provide the original loan contract and the last

In order to increase the approval rate of the house mortgage loan, other property certificates (such as another real estate certificate, stock certificate , funds, cash passbooks, vehicle driving licenses, etc.).

3. What is the best way to buy a second house in Nanjing?

According to regulations, families with household registration in Nanjing can purchase up to two homes. Moreover, according to the latest policy regulations, Nanjing’s Liuhe District, Gaochun District, and Lishui District are also included in the scope of purchase restrictions based on foreign household registration. People with non-local household registration can only buy one residence in Nanjing.

3. If the mortgage loan for the first residence is paid off, apply for a loan to buy a second residence. If you buy in Liuhe District, the minimum down payment is 50%. If you buy a second residence in Gaochun District and Lishui District of Nanjing, the minimum down payment is 50%. For a house, the minimum down payment is 40%. When purchasing a second home in District 8 of the main city of Nanjing, the minimum down payment ratio is 80%.

4. If we want to apply for provident fund to buy a second house, then the per capita living area of ??the first house we live in needs to be less than 32%, and its loan has been paid off before we can apply for provident fund. When buying a second home, the minimum down payment ratio is 30%.

4. What is the second-hand housing loan process in Nanjing? Can I apply for it by myself?

Housing provident fund second-hand housing loan process and information

1. I am a married couple Bring the original ID cards of both parties, the original credit report (valid within 2 months) and the seller's real estate certificate to the housing provident fund window to determine whether you are eligible for a loan.

2. When applying for a loan, both husband and wife need to provide the original ID card, original marriage certificate, original household registration book, original loan repayment card, and original credit report (valid within 2 months, the credit report shows that it has not been settled However, in fact, for settled loans, a settlement certificate is required), a certificate of the number of housing units (valid within 2 months, and must be issued at the place where the payment was made, the place where the house was purchased, and the area where the loan was taken), the seller’s materials (original ID card) , original marriage relationship certificate, original household registration book, house ownership certificate, original payment card), original real estate title certificate after transfer, original deed tax invoice and value-added tax invoice, down payment bank transfer voucher, real estate transaction sales contract.

3. If the ***lender is a depositor in a different place, the payment certificate and deposit details of the past 12 months must be provided.

4. After approval, the housing provident fund staff will notify the borrower to receive the loan contract and register the mortgage.

5. The Housing Provident Fund Center will arrange for a special person to collect the mortgage certificate from the real estate, and the loan will be provided within three working days if the loan conditions are met.

#Theoretically, as long as the seller agrees to use a mortgage loan, mortgage loans can be used to purchase second-hand houses with clear property rights. First, the buyer and seller sign a sales contract and determine the contract price, down payment amount and payment time; secondly, the seller prepares the original and photocopy of the couple’s identity cards, household register, marriage certificate, real estate certificate, land certificate or real estate certificate. The buyer prepares the couple's ID cards, household register, marriage certificate, original and photocopy of income certificate, and pre-evaluation report; according to the agreed time, the buyer transfers the down payment to the seller and obtains a transfer receipt. After that, the buyer and seller go to the bank to apply for a second-hand house loan; again, in about a week, after the bank approval is passed, the buyer and seller go to the housing authority and real estate to complete the transfer procedures; finally, the new owner takes the real estate certificate and formal appraisal report to the real estate registration center After completing the mortgage, the bank lends money to the old owner. #In second-hand housing mortgage loan transactions, the down payment must be paid to the homeowner. This is normal procedure. Because after you get the loan, the bank will directly transfer the money to the homeowner's account. In this way, down payment loan amount = total house price. After the loan is completed, the house belongs to you and you pay the bank's monthly payment. The general process of a second-hand house mortgage loan: 1. The buyer pays the down payment, the homeowner has to issue a receipt, and the buyer keeps the receipt. 2. Apply for a second-hand house mortgage from the bank. 3. After the bank agrees to approve the loan, the buyer and seller go to the housing management office to complete the transfer procedures. 4. After the transfer is completed, take the house book to the Construction Committee to complete the mortgage registration procedures. 5. The construction committee issues other warrants and submits them to the bank, which then provides the loan. 6. The loan applicant must repay the bank’s monthly payment every month. Note: Before taking a loan, you should first go to the bank to find out how much money you can borrow for the second-hand house you want to buy. Decide how much of a down payment you want to make. This is because the down payment loan amount = the total house price. In other words, the total house price minus the loan amount is the minimum down payment you need to make. During the repayment period, be careful not to repay late and cause overdue payments. This will leave a bad record in the personal credit system and have a great impact on future loans. Seriously, banks won't accept loans. #Second-hand house mortgage loan: 1. The buyer and seller sign a "House Sales Contract". In the contract, it is agreed that the buyer will pay for the house through a second-hand house loan and agree on the ratio of down payment and loan. At this stage, the buyer should generally view the house on site while Check the seller's "House Ownership Certificate", water and electricity bill records and other documents. Sometimes the seller will require the buyer to pay a certain deposit; 2. The buyer and seller go to the real estate transaction market in the district or county where the house is located to print out the "Real Estate Sales and Purchase Agreement" (the agreement should be clearly stated Specify the method of payment of the house price (e.g. 10,000 yuan as down payment and the remaining funds to apply for a loan, etc.) and at the same time, the buyer and seller go to the local housing authority to sign the "Private House Collection and Payment Agreement" to clarify the entrustment relationship for the collection and payment of transaction funds. ;3. Due to the particularity of second-hand houses, buyers need to find an appraisal company to evaluate the property they purchased. Banks will use the lower of the house transaction price and the appraisal price as the basis for lending. Please note that some banks will only accept designated appraisal companies. Some banks do not require an appraisal report, so buyers should consult the lending bank before the appraisal; 4. In order to ensure the safety of the loan, banks generally require the buyer to provide a guarantee. The guarantor can be an individual with financial ability or a professional. Guarantee companies should note that some banks have already launched unsecured second-hand housing loans, so buyers must be clear about the guarantee fee charged by their bank before applying for a housing loan; 5. The buyer holds the "Private House Collection and Payment Agreement" to get the loan. After depositing the down payment with the bank and obtaining proof of the deposit, you can apply for a second-hand housing loan from the bank and submit all loan application materials; 6. After the bank's review is passed, the buyer signs a loan contract with the bank and the bank notifies the seller that the loan can be disbursed; 7. The buyer and seller bring the original and photocopy of the real estate certificate, the sales contract and the photocopy of the buyer and seller's ID cards and other information to the real estate bureau to go through the transfer procedures, and bring the old land certificate to the land bureau to go through the certificate replacement procedures; 8. The buyer brings the real estate certificate and land certificate to transfer the title The authenticated sales contract, deed, tax invoice and other materials must be submitted to the real estate bureau to handle the mortgage procedures for the property; 9. After the bank receives the mortgage certificate and the loan is disbursed, the buyer shall obtain a new real estate certificate from the housing management department. 10. The home buyer should repay the loan on time according to the prescribed repayment method. After paying off all the loans, the home buyer should go through the mortgage registration and cancellation procedures. #Second-hand house mortgage loans are the same as new house loans from banks.

You can pay the homeowner a down payment of 110,000 and you can get a loan of 40,000 from the bank. You only need to provide a sales contract. The homeowner’s property certificate and land certificate. Then go to the bank to go through the mortgage procedures. When the loan is approved, it will be directly deposited into the bank card of the homeowner, and the house will be transferred to your name at this time. Then you repay the money to the bank every month. It's just that the loan approval may be a bit slow, normally it takes three months. Also, the house must be a normal property with all the documents and documents, otherwise you cannot get a loan from the bank. Especially resettlement housing. The easiest way is to find a reputable real estate agency to entrust you with the process. It only costs a few hundred yuan for a handling fee, which saves you the trouble of running back and forth. #It’s best to find an intermediary. The procedures include sales contract, bank interview, appraisal, transfer, bank renewal, loan, and repayment. It’s almost like this #Applying for a loan should be done before making a down payment. After paying the deposit, you apply for a loan. After the bank approves the loan letter, you pay the down payment and then go through the transfer process. After the transfer, the bank staff takes the certificate to go through the mortgage registration. Finally, the loan is directly deposited into the bank account reserved by the owner. You have to sign online. The above content is for reference only, I hope it can help you. Thank you for your support of Kanfang.com and wish you a happy home purchase!