There are two main forms for handling second-hand housing portfolio loans. First, the applicant can get a portfolio loan through mortgage guarantee. This method requires the purchaser to complete the house transfer and obtain the property right certificate to register the house mortgage before obtaining the loan; There is another way, you can use mortgage and Beijing Housing Loan Guarantee Center to guarantee loans. Different from the first way, the purchaser can get a loan before obtaining the property right certificate. However, both parties to the house transaction must have submitted the transfer application and obtained the deed tax certificate, the notice of obtaining the certificate (real estate license) and the transfer certificate, and the purchaser must also pay a guarantee fee of 0.3% of the total house price.