1. The house must have clear property rights and have the conditions to enter the second-hand housing market.

2. After choosing a good property, the second process of second-hand housing loan is to choose a real estate transaction institution designated by a bank that can handle mortgage loan business, and complete the property value appraisal in this institution and pay the real estate assessment fee.

3. The relevant materials provided by the buyer and the seller are fully prepared. The materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, marital status certificate, sales contract, income certificate of husband and wife (unit income certificate), tax bill, transaction receipt and per capita certificate of trading center, etc. The more comprehensive the certification materials, the higher the score of the bank in the loan evaluation, and the better the conditions for the lender to enjoy the loan amount and time. The information that the seller must provide includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, property right certificate of the house sold and listing approval certificate, etc.

4. The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend money.

5. The buyer and the seller shall go through the formalities for the transfer of house property right at the district (county) real estate transaction management department where the house is located.

6. After the above-mentioned second-hand housing loan process goes down, the next step is to get other documents.

7. finally, the bank lends money. (Source Anshan Viewing Real Estate Network)