1. It is necessary to comply with the regulations. There are three ways of second-hand housing loans, namely commercial loans, provident fund loans and portfolio loans. The loan applicant shall submit a written loan application to the housing provident fund management center and the bank respectively, and submit relevant materials and sign a contract.

2. After receiving the notice that the bank agrees to the loan, the customer needs to sign a loan contract and a guarantee contract, and apply to the loan bank for provident fund personal housing loans and mortgage and insurance of housing loans with their own accounts. After the signing of this contract, necessary procedures such as mortgage registration and insurance shall be handled in accordance with national and local laws and regulations. Mortgage registration and insurance fees shall be borne by the borrower, and the original insurance policy shall be kept by the loan bank during the mortgage period.

3. Customers who open an account and choose the entrusted deduction repayment method open a special savings passbook account or a savings card or credit card account in the loan bank. At the same time, the seller should open a special deposit account in the loan bank and repay on time. The borrower should repay the provident fund personal housing loan and bank housing loan on time with his own account according to the repayment plan and repayment method agreed in the loan contract.