The materials here are not the same everywhere. Bian Xiao simply listed some house payment, 2 personal loan applications for housing provident fund, 3 identity documents, and the borrower's stable income certificate or other proof of solvency issued by the unit. 4. Legitimate and valid procurement contracts, agreements or other approval documents. List of collateral, certificate of ownership, and 6 copies of the certificate that the obligee agrees to mortgage. 7. Collateral appraisal report issued by real estate appraisal agency recognized by housing provident fund management department. A written commitment to provide guarantee issued by the guarantor and 8 credit certificates of the guarantor. Relevant proof that the borrower used self-raised funds to pay the down payment for the house purchase 9. Other documents and materials stipulated by the housing provident fund management department. What needs to be explained here is that personal circumstances are different (for example, point 5 is not needed without a mortgage), and local regulations are different. Step 2: Bank approval. Once the approval of the government department is passed, it shows that you have enough ability to repay the loan, so that we can go to the bank to borrow money, sign loan contracts and guarantee contracts with the loan bank, go through mortgage registration and other related procedures and sign names on various contracts, and then wait for the bank to give loans. Step 3: According to the contract, the bank loan bank will transfer the first loan goods to the special down payment account set up by the developer or the deposit account opened by the borrower in the loan bank. Step 4: Repayment means that we open a repayment account in the loan bank and repay the loan principal and interest on time according to the repayment method and repayment plan agreed in the loan contract. Step 5 loan settlement After the loan is settled, the borrower will obtain the "loan settlement certificate" from the loan bank, get back the mortgage registration certificate and the original insurance policy, and go through the mortgage registration cancellation procedures at the original place. So the house can be bought. Follow-up: Thank you for listing so much in Romania! It seems easy to buy a house in five steps. Haha, ask! Can I apply for a provident fund loan directly from the bank if the provident fund is sealed? Just wait for the audit, okay? Answer: Why was your provident fund sealed? Follow-up: dear, it has been closed for a long time because the original company left. It seems to be 20 10.5. Can't it be activated? Follow-up: I will read your message when I go out. Thank you for your answer: First of all, you need to find out where your provident fund is sealed. If the personal provident fund account is sealed in the original unit, please provide the unit name and unit provident fund account of the new unit (transfer unit) to the original unit, and ask the original unit to go through the transfer formalities at the CCB branch where the provident fund account is opened. If the personal provident fund account is sealed in the "Sealed Household Administration Office of the Municipal Provident Fund Management Center", there are two transfer methods: 1. Transfer formalities for the new unit: please provide the personal provident fund account number to the new unit, and the new unit will go through the transfer formalities at the CCB branch where its provident fund account is opened. 2. When I go to the city provident fund center or the business acceptance network of the district/county center to handle the transfer, I must provide my personal provident fund account number, the original ID card and the certificate of establishing labor relations with the new unit (original and photocopy), the name of the new unit and the unit provident fund account number.