Second-hand housing payment methods are:

(1) lump-sum payment

(1) house inspection: the buyer inspects the house, and the two parties to the transaction initially discuss matters such as price, payment method and delivery date, and the expenses incurred by both parties shall be paid by both parties to the transaction;

(2) File search: the buyer and the seller hold the original real estate license or mortgage contract to the land department for file search;

③ Contract signing: The buyer and the seller agreed on the house price, down payment, fund supervision, loan application time, house foreclosure fee, transfer application time, tax payment method, house delivery date, tenant situation, commission payment time, commission payment ratio and liability for breach of contract. After confirmation, the buyer and the seller sign a tripartite contract or contract with the intermediary, which should be written into the contract and pay the deposit to the intermediary company;

④ The seller and the guarantee company go to the notary office for notarization, and the seller entrusts the guarantee company to handle relevant affairs;

⑤ Fund supervision and loan application: The buyer pays the down payment to the fund supervision account of the mortgage bank (usually the original loan bank, and if it is transferred to another bank, the fee will be higher). The buyer and the guarantee company sign a fund supervision agreement and relevant documents with the bank, and the buyer applies for a loan from the bank. After the bank agrees to the loan, it will issue a loan commitment letter to the buyer (usually the bank directly informs the guarantee company), which will take about 7-8 working days;

⑥ Redemption: After the buyer pays the guarantee fee to the guarantee company, the guarantee company applies to the original loan bank for foreclosure, and it takes about 5 working days for the guarantee company to issue a foreclosure guarantee to go through the formalities of foreclosure and cancellation of mortgage registration at the bank;

⑦ house transfer: the buyer signs a contract with the guarantee company, submits an application for house transfer, and it takes 5 working days for the guarantee company to receive the receipt;

⑧ The buyer and the guarantee company sign in the license window and pay the real estate license fee (remember to make more copies and wait until the loan is fully paid off). The guarantee company takes out a new real estate license and registers the mortgage with the mortgage bank in the city real estate property right registration center, and the bank will pay the seller the down payment. After the mortgage registration of the new real estate license, it takes about 10 working days for the bank to give the seller a loan after deducting the mortgage loan;

9 delivery: the buyer and the seller handle the house delivery, the water and electricity transfer, and the buyer obtains the key.

Intermediary escrow: both parties to the transaction sign a contract with an intermediary company, and after the buyer pays the down payment or deposit to the seller, the remaining house money is entrusted to the intermediary company for escrow, and the three parties agree that the intermediary company will transfer the entrusted house money to the seller after the transfer is completed. This avoids the shortcomings of the two methods listed above, but increases the risk factors of more intermediary companies. Because there have been precedents for some intermediary companies to abscond with money before, few people adopt this method.

Mortgage loan: this method is actually the installment payment method mentioned above, but the buyer needs to borrow part of the purchase price from the bank. After the bank has passed the qualification examination of the buyer and mortgaged the house that has been transferred to the buyer, it will directly pay the balance of the house purchase to the seller in one lump sum, and then the buyer will repay the bank on a monthly basis. Due to high housing prices, most working-class people or investors will use bank loans to buy second-hand houses. Before you decide to buy a second-hand house through a bank mortgage loan, you should make sure that you can get the approval of the bank loan, and the loan ratio meets the requirements of the house purchase funds. Otherwise, property buyers will face the dilemma of not being able to pay off the house payment and bearing the liability for breach of contract. Moreover, you should apply for a loan amount according to your ability, choose a good loan bank and determine the repayment method that suits you best.