Legal analysis: 1. First of all, after the buyer and the developer reach an agreement (agree to change houses), they should go to the local housing authority to handle the formalities of canceling the purchase contract, and then go to the window of the local tax bureau to handle the deed tax refund process (if the deed tax has not been paid, this step is unnecessary). 2. After the Housing Authority Exchange cancels the purchase contract for the record, the staff of the Housing Authority will take back the signed purchase contract. Then buyers can recalculate and pay the down payment (house payment) after the house change with the developer, sign a new house purchase contract and get it to the Housing Authority for the record.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.