1. Signing a sales agreement: the real estate buyer and seller reach a transaction and sign a sales agreement. The buyer pays the down payment to the seller (entrusted by the broker), and the seller delivers the real estate license to the broker.

2. File search: the broker brings the real estate license, implements the property right status, and retrieves the file search record.

3. Redesignation: On the basis of valid documents, the broker transfers the deposit to the seller.

4. Property evaluation: Entrust an evaluation agency to evaluate the mortgaged property.

5. Apply for mortgage: The broker assists the buyer to apply for mortgage loan from the bank and sign relevant documents. The buyer deposits the down payment in the broker or designated bank for safekeeping.

6. Letter of Commitment issued by the bank: If the bank intends to issue a second-hand housing mortgage loan to the buyer after preliminary examination, a letter of commitment will be issued.

7. Signing a guarantee agreement: the buyer and the seller sign a guarantee agreement for one-time payment guarantee, and the buyer provides the guarantee company with a fund supervision agreement and documents for freezing funds.

8. Handling entrusted notarization: After investigation and approval by the financing guarantee company, the buyers and sellers of real estate go to the notary office to handle authorized notarization. , pay the guarantee fee and handling fee.

9. Redemption deed: the guarantee company recognizes and signs a guarantee contract with the bank; The bank lends money to the designated account of the guarantee company; After checking the files, the guarantee company will pay off the balance of the bank mortgage on behalf of the seller, cancel the mortgage registration and get back the real estate license, which will be kept by the guarantee company.

10. Handling the formalities of property right transfer: the broker will accompany the buyer and the seller to the land department to sign a formal real estate sales contract. Overseas people or companies need to go to the notary office to notarize (pay notarization fees), and then submit the documents to the land department, and the broker will receive and keep the receipt.

1 1. Approval: the land department reviews the capital and approves the transfer of property rights.

12. Tax payment: the tax bill is issued by the land and resources department, and the buyer and seller (or brokers) pay the transfer tax.

13. Certification: The broker will accompany the buyer and the seller to get the property certificate and register the mortgage. If the buyer is a foreigner, the mortgage contract needs to be notarized and the notarization fee should be paid.

14. Bank lending: After mortgage registration is completed, the bank will issue loans.

15, property handover:

The buyer and the seller hand over the property, and the seller settles the related expenses.

16. mantissa settlement: the parties will settle the remaining money received in advance to the seller.