The down payment is cash.

Of course, when you said to use provident fund loans to pay down payment,

Let an intermediary or developer help you,

They paid the down payment for you.

And then signed a contract to buy a house,

After withdrawing the provident fund, return it to them,

Second, what is the process of buying a house loan?

The housing loan process is as follows:

1. Apply for mortgage loan. After confirming that the property selected by the applicant has bank mortgage support, the applicant should learn about the bank's regulations on mortgage loan support for buyers from the bank or the law firm designated by the bank, prepare relevant legal documents, and fill in the mortgage loan application form.

2. Sign a house purchase contract.

3. Sign a real estate mortgage contract. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

4. Apply for mortgage registration. Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures.

5. Open a special repayment account.

6. The borrower cancels the registration after monthly repayment and repayment of principal and interest.

Third, the process of buying a house by loan

First of all, answer directly.

The loan process for buying a house is as follows: Step 1: Choose a good house, sign a purchase contract with the real estate developer and pay the required down payment.

Second, the specific analysis

Step 2: Provide personal ID card, local permanent residence booklet or temporary residence permit, down payment receipt, bank running water and other income certificates, fill in the loan application form and apply for mortgage from the bank (note that if you choose to apply for provident fund loan, you need to prepare a provident fund card and apply to the local housing provident fund management center).

Step 3: The bank will conduct an audit according to the information provided, find out its credit status by inquiring about the credit information, and arrange an evaluation agency to evaluate the value of the house.

Step 4: After the approval result comes out, the person who received the approval notice will go to the outlet to sign the loan contract and handle the mortgage and other related procedures within the agreed time.

Step 5: The bank begins to lend money (generally, the loan funds are first distributed to the bank card under its name, and then immediately transferred to the account designated by the real estate developer by the system to ensure that the funds are earmarked).

Before applying for a loan, you can go to Beijian to check your credit status quickly. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.

3. What are the procedures for off-site provident fund loans? The application process of off-site provident fund loan is as follows.

1. Go to the housing provident fund management center of the deposit place for business consultation. You can call the staff to ask whether it is allowed to apply for provident fund in different places. If so, what conditions are needed and what materials need to be prepared.

2. Submit an application to the housing provident fund management center of the deposit place and issue a certificate. According to the application, the staff will verify the deposit of housing provident fund, and if the housing provident fund has never been used or the first housing provident fund loan has been settled, they will issue a certificate of deposit and use of housing provident fund for the employees who have borrowed from different places.

3. Submit materials, review and mark them, and prepare personal identity cards, purchase contracts, and certificates of deposit and use of housing provident fund for employees with off-site loans. , and submit the materials to the staff. After confirming the authenticity and completeness of the materials, the staff will review and mark the off-site loans and establish a detailed account of the off-site loans.

4. After handling the loan, issuing the loan, signing a loan contract with the housing provident fund management center where the house is purchased, and registering the mortgage with the local housing management department, the management center will issue the loan (usually within one or two months, but if the bank is short of funds and busy, the loan may be delayed).