The general process is that after the new house signs a commercial housing sales contract with the developer, the developer will handle the procedures. The bank will notify you whether to lend you a loan and prepare your ID card, hand stamp, house purchase contract, and salary income. Proof, etc. Foreigners also need a temporary residence permit and a possible guarantor. Provident fund loans are similar to the above, except that the money is borrowed from the bank, but it is borrowed from the provident fund management center in your own name or as a couple, and your monthly repayments go to your provident fund account. When you sign the contract, you need to sign an entrustment withdrawal agreement and related materials with the provident fund. The loan contract is signed between you and the local bank. It's a bit complicated, but you don't need to understand it too deeply. Provident fund loans have low interest rates and are very suitable for home loans, but the loan time is a little longer.

Second-hand houses are similar to the above categories, except that you need to sign a second-hand house purchase and sale agreement. Now most people use intermediaries to run these businesses.