When will the second-hand house pay the down payment?

Generally speaking, the down payment of second-hand houses is not allowed to be paid on the day of signing the contract, or it is ok to postpone it for a period of time after friendly negotiation, but it must be before applying for loans, because banks need to verify and issue loans according to the down payment certificate submitted by the owners. Second-hand housing down payment should pay attention to the transfer first, and then pay the down payment, usually to the landlord on the day of transfer. Before paying the down payment, we should pay attention to signing the contract to agree on a certain time to transfer the ownership, and put the down payment in the intermediary company after signing the contract. Then the transfer specialist will say the transfer time in advance, sign his name online, and then the intermediary company will directly transfer the deposit to the landlord card; The title certificate of real estate will be issued within 3 working days, and then you will go to the bank to make a mortgage loan with the title certificate. Finally, the bank will directly transfer the loan money to the landlord's card number. Note that the down payment ratio of the first home mortgage is 20% to 30%, the down payment ratio of the second home mortgage is 50% to 70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions.