(Beijing) About buying second-hand housing loans! Urgent!

1. Kang Zheng is still formal. Up to now, I haven't learned the records praised by others. In addition, your 670,000 provident fund should be a matter of your contribution, which has little to do with the assessment. Your quota is not enough. No matter how high it is, it's still 670 thousand.

2. Portfolio loan procedures are cumbersome and the cycle is long. Even if you can get a loan, it depends on whether the seller agrees. If you write a loan portfolio in the sales contract, it is not a big problem. If not, it depends on whether the owner can cooperate.

In addition, the bank has no rebate now.

3. If you have a business loan, if your house area is less than 90 meters, you will buy a house for the first time. You should be able to borrow 70% and enjoy a 30% discount on the interest rate. This is no problem.

I don't think your problem is serious. Buying a house is like this. Don't be afraid of trouble. After all, it's not buying cabbage. . .