Second-hand housing mortgage, the household has passed, how does the bank make an evaluation report?

Generally, when buying a second-hand house, the buyer requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents, so as to understand the overall situation and property rights of the house.

After that, the buyers and sellers reached an agreement through consultation and signed at least three housing sales contracts. And in the contract, the handling method of second-hand housing transfer will be agreed.

After the buyer obtains the ownership certificate of the house, pays off all the house price, and the seller delivers the house and settles all the property fees, the sales contract of the second-hand house of both parties is fully fulfilled.

In other words, as long as the house you buy has a systematic real estate evaluation, you can complete the transfer procedures. There is no need for a second real estate appraisal procedure. There is no transfer formalities, which may be a problem in the middle.

The specific process of purchasing a house with second-hand housing mortgage loan is as follows:

1. Bank credit (go to the People's Bank to check the buyer's credit);

2, housing property survey (survey whether the property is mortgaged, sealed, property analysis, inheritance, * * owners);

3. Pay the down payment to the seller and reserve the balance of the house payment;

4. When the house is transferred, the bank will review the loan conditions;

5. The bank issues loans to the seller's account;

6. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out);

7. Pay the final payment to the seller.