What are the steps to buy a second-hand house in Weifang?

1. What are the steps to buy a second-hand house in Weifang? Loan or transfer first?

For the sale of second-hand houses in Weifang, the specific process of mortgage loan payment by the buyer is as follows:

First, the buyer mortgage loan to buy a house

1, bank credit);

2, housing property survey (investigate whether the property is mortgaged, sealed up, analyzed, inherited,

3. Pay the seller;

4. House transfer.

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

6. Both parties will go together, and the original owner's account must be moved out for the heating fee and property fee);

7. Sell to

In order to protect the legitimate rights and interests of both parties to the transaction, you can choose to entrust a professional lawyer or directly entrust a national chain of formal brand intermediaries to worry about it!

Second, can Weifang second-hand houses be loaned? What is the procedure?

Second-hand housing loan process: a. Pre-transaction second-hand housing loan process (1) Pre-loan consultation. The borrower holds the second-hand housing transaction contract, credit report, the original real estate ownership certificate and the borrower's ID card to the provident fund management department for consultation, and the center manager will review the borrower's loan qualification and approve the loan application that meets the loan conditions. (2) Pre-assessment. The appraisal agency recognized by the Center conducts pre-appraisal on the real estate transaction to confirm the value of the real estate transaction. (3) The person in charge of the center shall refer to the transaction amount of the second-hand housing transaction contract and issue the Notice of Custody of Real Estate Transaction Funds for Housing Provident Fund Loan Clients. (4) The borrower signs a fund custody agreement with the seller on the basis of the account opening notice, and pays the down payment according to the specified proportion (20% for frame structure construction area ≤ 144_, and 30% for frame structure construction area > 144_); Brick-concrete structure of the house 40%) to the bank custody. (5) property transfer. (6) Formal appraisal, and issue a confirmation of house value appraisal. (7) receiving. The seller provides: a copy of the real estate ownership certificate; Copy of the ID card of the house owner and the owner (confirmed by the borrower). Buyer provides: second-hand housing transaction contract; Confirmation of the appraisal of house value by the buyer and the seller; Notice of opening an account for the custody of real estate transaction funds of housing provident fund loan customers; Payment voucher for down payment; The Buyer and the Seller and the bank confirm the Notice of Opening an Account for the Custody of Real Estate Transaction Funds (Custody Agreement). Copy of transaction invoice, duty-paid invoice or application for exemption from business tax for individual sales of ordinary houses, real estate license, land certificate, ID card, household registration certificate, marriage certificate, etc. Proof of borrower and spouse and salary income (all materials need two copies). (8) the provident fund management center approves the loan procedures; (9) Notify the borrower to sign a loan contract with the bank. (10) Property mortgage registration. (1 1) The bank issues loans and the funds are transferred to the custody account; All the purchase money will be transferred from the bank escrow account to the seller's account. B. Post-transaction second-hand housing loan process (1) The borrower consults with the provident fund management department with the second-hand housing transaction contract, transaction bills, duty-paid invoices or personal sales of ordinary houses for exemption from business tax, real estate ownership certificate, credit report and ID card, and the center manager reviews the borrower's loan qualification and approves the loan application that meets the loan conditions; (2) An intermediary agency recognized by the Center conducts evaluation and issues an evaluation report; (3) According to the evaluation results, transaction contracts, tax-paid invoices or the Application and Approval Form for Exemption from Business Tax for Personal Sales of Ordinary Houses and the basic information of the borrower, the center's handling personnel make a preliminary calculation of the loan amount, and issue the Notice on the Custody of Real Estate Transaction Funds for Housing Provident Fund loan customers; (4) The borrower shall, at the same time as receiving the notice of account opening, sign the Notice of Account Opening for Real Estate Transaction Fund Custody Business (Custody Agreement) with the seller; (5) receiving. The borrower provides: second-hand housing transaction contract, transaction fee bill, tax-paid invoice or application for exemption from business tax for individual sales of ordinary housing, copy of real estate ownership certificate, housing value evaluation report, notice of opening an account for real estate transaction fund custody of housing provident fund loan customers, and notice of opening an account for confirmation of real estate transaction fund custody business between buyers and sellers and banks (custody agreement). Copy of ID card, household registration certificate, marriage certificate and salary income certificate of the borrower and spouse (two copies of all materials are required); (6) the provident fund management center approves the loan procedures; (7) Notify the borrower to sign a loan contract with the bank; (8) Registration of real estate mortgage; (9) The bank issues loans, and the funds are transferred to the escrow account of the entrusted bank; Then transfer from the bank escrow account to the seller account.

3. How to repay the credit of Weifang Bank?

You can repay through Weifang Bank APP! If you use Xinhao Loan to borrow from Weifang Bank, there are several repayment methods, including: first, you can deposit the money in Weifang Bank Card in advance and deduct it automatically when it expires;

Second, you can repay through Weifang Bank APP;

Third, the landlord can also repay the loan through China UnionPay Express!

4. Can I get a loan for a second-hand house?

Second-hand housing can be loaned.

Second-hand housing can be loaned. Second-hand houses are basically individuals who can apply for commercial loans and provident fund loans. However, the lender must be a China citizen with full capacity for civil conduct. There must be collateral in the process of loan. If you buy it with the provident fund, you need to go to the bank to apply for a loan with your unit certificate and identity certificate.

Although it is a second-hand house, for many families, this house price is also very expensive. And if buyers can't buy a house in full at one time, then they can choose a bank mortgage loan to buy a house at this time.

How to handle the second-hand housing mortgage? What are the procedures and procedures for handling second-hand housing loans? These schemes are divided into the following nine items in order, namely:

1. The buyer and the seller sign a house sales contract, and the buyer pays a certain down payment to the seller. In most cases, the down payment is not less than 70%. Some lenders with particularly good qualifications can only lend 80%. After paying the down payment, the seller is required to issue a receipt, which will be used in the loan information.

2. The purchaser applies for a loan from the bank and submits written materials, including the purchase contract, the identity information of the buyer and the seller (ID card, household registration book), proof of marital status (unmarried certificate or marriage certificate), property title certificate and down payment certificate. Copies of these certificates are enough.

3. The appraisal agency designated by the bank evaluates the real estate, so the purchaser also needs to bear the appraisal fee, which generally ranges from several hundred yuan to several thousand yuan.

4. A legal opinion issued by a law firm designated by the bank. Banks issue loans and issue loan commitments.

5. The bank signs a mortgage loan contract with the purchaser (lender and borrower), which is notarized or witnessed by a lawyer.

6. Set up deposit and loan accounts and allocate housing loans.

7. On the day of real estate transfer, handle house transfer procedures and bank mortgage registration, and handle loan insurance procedures or repayment guarantee of guarantee companies. To this end, buyers need to pay insurance or guarantee fees.

8. Banks issue loans. It can be distributed to seller's account, buyer's account or intermediary company's account. At present, most of the ways are to lend money directly to the seller's account (home). Lawyer Shen strongly advises you not to transfer the loan into the account of the intermediary company, so as to avoid serious legal consequences, such as the intermediary company diverting the money for other purposes and absconding with the money.

9. The borrower repays the principal and interest on a monthly basis until the principal and interest are fully paid off and the loan contract is terminated.