I would like to ask about buying a second-hand house with a provident fund loan in Haikou. The landlord also mortgaged the real estate license in the bank before repaying the loan, so what is the process of buying such a house? First of all, go to the loan bank of this house and ask whether it is possible to repay the loan in advance now, whether an appointment is needed, whether the bank has proof of his right to mortgage, and how many days can it be taken out after repayment. Secondly, it depends on who will repay the part of the house loan and who is the risk of repayment, because buying this house involves many steps and a long time. There are different ways to collect personal credit reports in different places, some are directly collected by loan banks, and some are uniformly collected by local management centers. You can ask directly at the bank. Bank audits can usually be notified within one week. The appraisal company is generally designated by the loan bank. The steps are: find a suitable house. Pay a deposit Looking for a bank loan center to handle second-hand housing loans, you generally need to bring your ID card, household registration book, marriage certificate (unmarried certificate), income certificate, personal credit report and bank account. The bank informs you to evaluate the company, and the bank informs the buyer and the seller to sign a bank loan contract. After the approval of the bank, they pay the down payment, go to the bank to repay (issue a repayment certificate), go to the property rights exchange center to change the original owner's property right certificate (unsecured), and then both parties go to the exchange center to change the name of the property. Rename, issue a new title certificate, and the bank will cooperate with other title certificates and issue loans. There may be some differences according to different places, such as: local hukou is required, or social security or tax payment certificate of 1 year. Because the places are slightly different, you can go directly to the local intermediary agencies for consultation, or you can go directly to the bank's personal loan center for consultation, so that you can directly understand your local situation.

The duration of the provident fund varies from place to place. In this case, it usually takes more than 1 month and a half.

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