1. If the mortgaged house needs to meet the property ownership certificate that has obtained independent property rights, and there are no economic disputes and property mortgage, you can use the provident fund to handle the house purchase loan.

Second, the "top account room" refers to the house for debt repayment, which mainly refers to the house that the debtor pays to the creditor at a fixed price when he can't repay the debt in currency, and then the creditor sells it.

Third, the second-hand housing provident fund loan process:

1, the salary income of the loan borrower (spouse) and the deposit certificate of housing provident fund;

2. The original and photocopy of the real estate license before the transaction;

3. Evaluation report of the transaction house (collateral);

4. Real estate transfer contract signed by the seller and the borrower;

5, the borrower (spouse) housing provident fund second-hand housing loan application;

6. Valid identification of the borrower (spouse) (ID card, household registration book, marriage certificate or divorce certificate, unmarried certificate, court judgment, ruling, etc.). );

7. The household registration certificate of the borrower (spouse);

8. Valid identification of the seller (property owner) (ID card, household registration book, marriage certificate or divorce certificate, unmarried certificate, court judgment, ruling, etc.). );

9. Household registration certificate of the seller (property owner).