In the process of buying and selling second-hand houses, the down payment is usually supervised first. The supervision of down payment funds usually needs to be completed before the transfer, so as to ensure that the source and amount of down payment comply with relevant regulations and can be directly used to pay the seller when the transfer is made.

After the down payment supervision is completed, the buyer and the seller need to sign a house transaction guarantee contract, and conduct house purchase qualification verification and housing verification. After these steps are completed, you can transfer the house and pay taxes.

In some cases, such as commercial loans or provident fund loans, you need to apply for loans before the transfer, and complete the procedures of housing evaluation and bank face-to-face signing. After the loan is approved, the buyer needs to remit the down payment to the fund supervision account, and then go through the formalities of transfer and obtaining the property right certificate. If it is a commercial loan, you need to apply for mortgage registration, and then the bank lends money. If it is a provident fund loan, it is necessary to conduct a face-to-face preliminary examination of the provident fund, then conduct down payment supervision and bank approval procedures for mortgage, and finally go through the formalities of mortgage registration, bank lending, tax transfer and obtaining the property right certificate.

It should be noted that due to different regions, policies and specific circumstances, the specific transfer process and schedule may be different. Before the specific operation, it is recommended to consult a professional real estate agency or lawyer to ensure that the rights and interests of buyers and sellers are protected.