First of all, let the owner go to the bank to decompress-issue other warrants-cancel the Housing Authority-evaluate-issue the evaluation value-both parties go to the bank to sign a loan contract-fund supervision-wait for the loan-transfer-record and mortgage the new real estate license-the owner gets it-you get the new real estate license. It takes about 20 working days to transfer the house to Xinzheng Housing Management Bureau (because the owner needs to decompress), and it takes about 60 working days to mortgage (the bank approval will be slower). Because I don't know the area of the real estate license, I can't calculate the cost, which is about 25,000.