1. Submit the materials required for the second-hand housing loan. 2. The bank will evaluate the house applying for the loan. Generally, the bank will hand it over to a professional institution for evaluation. 3. Bank Approval The bank's staff will review the qualifications of the applicant. If it meets the requirements, the bank will review the loan amount and duration according to the housing appraisal price and the qualifications of the lender. 4. After the transfer is approved, the buyer pays the down payment to the seller, and then the two parties and the bank staff go to the real estate exchange to handle the transfer of house property rights with the down payment certificate, the bank's mortgage application review commitment letter and other materials. 5. Give the title certificate of immovable property to the bank for mortgage, and go to the real estate registration department for the Certificate of Real Estate Registration, which proves that the property has the mortgage right of the bank. Generally, the bank will hand it over to a special agency for housing mortgage. 6. After the bank loans the loans granted with the consent of the lending bank, the lending bank will transfer the loans to the deposit account opened by the seller in the lending bank once or several times according to the loan contract.