1. If you find an intermediary, the intermediary will take you through all the formalities, but you have to pay a certain percentage of commission to the intermediary company;

2. If you handle it yourself,

A. First, go to the counter of the provident fund bank to understand the process needed by the bank;

B. Go to the Housing Authority to understand the transfer process and prepare the documents needed for the transfer. At the same time, you and the original owner need to prepare their own seals, and you need to evaluate the house. You can learn about it yourself and record the relevant process. When going through the relevant formalities, the original owner needs to be present, so the time must be arranged to avoid unnecessary trouble; When going through the formalities, you and the original owner need to fill in the relevant information and sign it at the Housing Authority and the loan bank at the same time.

C. Deposit your down payment or full amount into the bank's fund supervision account, and then wait for the property ownership certificate. After the real estate license comes down, the bank will pay the house money to the original owner within a week or so. You don't need to do anything in the middle, just wait.

D. After the original owner received the house payment, you also got the real estate license, so you can get the house key.

This is just a rough process. The specific information still needs you to go to the local housing authority and the loan bank to understand, which is not too complicated. It is recommended to handle it yourself, so as to save some money from the intermediary. In addition, the allocation time of provident fund loans is longer than that of commercial loans, and it takes about one month to come down. You'd better communicate with the original owner in advance to avoid unnecessary misunderstanding.

Good luck!