买二手房须贷款，以下流程供你参考：
准备阶段
Before you start, you'll need to:
确定购房预算和贷款额度
准备个人资料：身份证、户口本、收入证明等
选房与签约
Once you know what you can afford and how much you need to borrow, you can start looking for a home.
寻找合适的房源：可通过中介或自找
实地看房：考察房屋状况和周围环境
谈价并签订购房合同
申请贷款
With a signed contract in hand, you can apply for a mortgage loan.
选择贷款银行：货比三家，选择利率和还款方式合适的银行
递交贷款申请材料：包括个人资料、购房合同等
银行审核通过后，签订贷款合同
房屋评估与过户
Before the loan can be finalized, the bank will need to appraise the home to make sure it's worth the amount you're borrowing.
银行委派评估机构评估房屋价值
买卖双方办理房屋过户手续：包括产权变更、缴纳税费等
放款与抵押
Once the home has been appraised and the title has been transferred to your name, the bank will release the loan funds.
银行放贷到卖家账户
以房屋做抵押，办理抵押登记手续
温馨提示
二手房贷款买房涉及较多流程和专业知识，建议咨询专业人士或找靠谱的中介协助办理，以避免不必要的麻烦和损失。
