Hello, Jiaxing Housing Loan Policy The loan process of second-hand housing provident fund is as follows: 1) The house seller carries the house ownership certificate, the state-owned land use right certificate and the deed certificate, and the buyer carries the husband and wife housing provident fund account numbers. If the housing provident fund management center meets the housing provident fund loan conditions in the first instance, the center will issue a letter of contact and the buyer and seller will sign a payment agreement. 2) Entrust a housing appraisal institution recognized by the Center to conduct housing appraisal; 3) The Borrower (the Buyer) shall pay the down payment of not less than 30% of the house price (whichever is lower) and deposit it into the capital account recognized by the Buyer and the Seller. 4) The buyer and seller of the house shall sign the house sales contract with the real estate registration department and go through the formalities for the transfer of house property rights. 5) application; Fill in the personal housing provident fund loan application form and provide the materials needed for housing provident fund loans: 6) Approval: the housing provident fund management center is responsible for the preliminary examination and approval of loan applicants' applications; 7) Signing a contract: signing a loan contract and handling mortgage, insurance and notarization procedures; 8) Lending: After the Housing Provident Fund Management Center obtains the house ownership certificate, the entrusted bank will transfer the housing provident fund loan funds into the fund account recognized by the buyer and the seller in the name of the borrower with the loan notice issued by Jiaxing Housing Provident Fund Management Center, and the entrusted bank will be responsible for the transfer of settlement funds. 9) Repayment: The borrower repays the principal and interest on a monthly basis as agreed in the contract; 10) Termination: After the borrower pays off the loan principal and interest, the loan contract is terminated and the mortgage registration is cancelled.