2. The traded second-hand house has legal and effective house ownership certificate (or house ownership certificate and state-owned land use certificate) or property ownership certificate;
3. Agree to use the purchased house as mortgage guarantee for the loan;
4. The Real Estate Sales Contract has been signed with the seller, and it is not less than 20% (inclusive) of the purchased house price;
5. Other conditions stipulated by the provident fund center.
Legal basis: Article 6 of the Measures of Chongqing Municipality for the Administration of Housing Provident Fund Second-hand Housing Loans A borrower applying for a second-hand housing loan shall meet the following conditions:
(a) there is a real transaction to buy a second-hand house in the town of this city;
(2) The traded second-hand house has legal and valid house ownership certificate (or house ownership certificate and state-owned land use certificate) or house ownership certificate;
(3) Agree to use the purchased house as mortgage guarantee for the loan;
(four) has signed a "real estate sales contract" with the seller, and there is no less than 20% (inclusive) of the purchase price of the house;
(five) other conditions stipulated by the provident fund center.