The loan process of Guangzhou second-hand housing provident fund is as follows: consultation and registration in the center → submission of application materials → acceptance and approval in the center → transaction transfer between buyers and sellers → signing a contract with a bank → mortgage registration → loan fund issuance → monthly repayment by the borrower → settlement of loan → cancellation of mortgage. The first step is to consult in the center and get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city financial center, and get the application form for provident fund loan in the name of the seller with the original house ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate. Step 2: The borrower submits the following loan materials to the municipal capital center: (1) application form for provident fund loan; (2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income; (3) the evaluation report of the purchased house; (4) The stock house sales contract signed by the buyer and the seller; (5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy); (6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. Step 3: Acceptance and approval by the "center": the municipal capital center accepts the information of loan applicants, and determines the loan amount and term after approval. The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction. Step 5: Sign the contract: the borrower holds the transferred "two certificates" and deed tax payment invoice (original and photocopy), the municipal capital center issues a loan commitment letter to the designated bank, signs loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank. Step 6: Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and get the real estate license. Step 7: Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank. Step 8: Monthly repayment: The borrower repays the loan principal and interest on a monthly basis according to the loan contract until the loan is fully paid off. Step 9: Settle the loan: After the borrower settles the last loan, I personally go to the loan bank and go through the repayment settlement procedures at the counter. Step 10 Mortgage Cancellation: After the borrower has repaid all the loan principal and interest, he shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.