The process of purchasing second-hand housing loan is as follows:

1, see the house and sign the purchase contract;

2. Real estate appraisal.

3. Buyers apply for loans from banks.

4. After the buyer submits the loan application, he needs to wait for the bank's review.

5. After the loan application comes down, both parties handle the transfer.

6. Pay taxes and apply for real estate license.

7. The buyer will take the real estate license to the bank to mortgage the property, and then the bank will directly lend the money to the seller's account.