Second-hand housing mortgage loan is relatively simple. Both buyers and sellers need to go to the bank for acceptance, then go to the housing management department for transfer registration, then go to the bank for examination and approval with new house ownership certificate, ID card, household registration book, sales contract, deed tax certificate and income certificate, and then mortgage them to the housing management department for the next payment. There are different requirements for bank guarantees. Generally, CCB needs the signature of the guarantor.