If you find an intermediary, you don't need to worry about these processes. If you buy or sell a house by yourself, you need to find a guarantee company to redeem the house (the charge is generally 0.6%- 1% of the arrears. In order to protect interests and reduce risks, the guarantee company will ask you to provide a sales contract and a loan application from your bank, and will not wait for you to apply for a loan from the bank while redeeming the house). When you go home, return the real estate license, change your name, and then go to the bank to apply for mortgage. The mortgaged money also guarantees the company's debt and is used to redeem it.

As long as you pass the guarantee company, you can generally understand these processes from them.

The method of redeeming the house price with the down payment pad upstairs is very risky and easy to cause disputes. It is recommended to take the guarantee company to spend money to buy peace of mind.