There is not much difference between an auction loan and an existing home loan. Auction requires a pre-sale permit, which means that the sales behavior of developers is legal and effective. The specific steps of the purchase process of forward housing loan are: 1. Sign the house purchase contract, choose the loan as the payment method, and make a down payment of 2. The purchase contract is registered online in the Ministry of Housing and Urban-Rural Development (handled by the developer) 3. Bring the purchase contract, ID card, personal seal, down payment receipt, and a marriage certificate if you handle it with your spouse at the same time. It costs 5 to go to the bank loan office. It is best to withdraw the provident fund by entrustment, so that it can be automatically transferred from the provident fund account to the repayment account every month.