Only after the online signing can you handle the transfer, and the house can be transferred to your name before you can handle the provident fund loan. He needs to bring a land certificate.

Second, can I use other people's housing provident fund loans to buy a house for myself?

You can't.

Buying a house with my uncle's provident fund requires my uncle to be a talent with the same property rights. Provident funds can only be used for mortgage loans or offset loans, and cannot be used as a down payment for buying a house.

You can use his provident fund loan first and then transfer it to you. It can be transferred after the loan is paid off, but it cannot be transferred before the loan is paid off.

It is suggested that you and your uncle be listed as property owners in the real estate license, which can also reduce the handling fees and taxes for transferring or changing the property owners in the future.

Extended data:

Provident fund loan conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Third, how to apply for provident fund loans when buying private houses

There are two ways to purchase second-hand houses and apply for provident fund personal housing loans: 1. The borrower directly applies for a loan from the municipal capital center. Its handling process: consultation and registration in the center → submission of application materials → acceptance and approval by the center → transaction transfer between the buyer and the seller → signing a contract with the bank → mortgage registration → loan fund issuance → monthly repayment by the borrower → settlement of loan → cancellation of mortgage. The first step is to consult in the center and get the application form: the buyer and seller of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city capital center in the name of the seller with two original certificates of house ownership certificate and state-owned land use certificate, and get the application form for provident fund loan, as well as the original household registration book, ID card and marriage certificate. Step 2: The borrower submits the following loan materials to the municipal capital center: (1) application form for provident fund loan; (2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income; (3) the evaluation report of the purchased house; (4) The stock house sales contract signed by the buyer and the seller; (5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy); (6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. The third step is the acceptance and approval of the center: the municipal capital center accepts the information of the loan applicant, and approves and determines the loan amount and term. The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the land and resources bureau to handle the transfer procedures of the two-certificate transaction. Step 5: Sign the contract: The borrower holds the two certificates and the deed tax payment invoice (original and photocopy) to handle the transaction transfer at the municipal capital center, and the municipal capital center issues a loan commitment letter to sign loan documents such as loan contract and mortgage contract at the designated bank, and the seller opens a special deposit account at the loan bank. Step 6: Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and get the real estate license. Step 7: Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank. Step 8: Monthly repayment: The borrower repays the loan principal and interest on a monthly basis according to the loan contract until the loan is fully paid off. Step 9: Settle the loan: After the borrower settles the last loan, I personally go to the loan bank and go through the repayment settlement procedures at the counter. Step 10: Cancellation of mortgage: After the borrower has repaid all the principal and interest of the loan, he should show the settlement certificate, mortgage cancellation certificate, original house purchase contract or real estate license and personal ID card issued by the loan bank.

, to the original real estate mortgage registration department for mortgage registration cancellation procedures. 2. The borrower entrusts an intermediary company to handle the formalities. In the first step, the customer directly consults with the guarantee company or intermediary company and gets the loan application form. Step 2: The borrower submits a complete set of loan information to the guarantee company or intermediary company, which will send it to the municipal capital center for approval. Step 3: The municipal capital center will issue a loan commitment letter after examining and approving the loan qualification, amount and term. Step 4, the guarantee company or intermediary company handles the transfer procedures of real estate license and land certificate for the buyers and sellers of houses, and the loan bank signs a loan and mortgage contract with the borrower, and signs a tripartite agreement with the guarantee company or intermediary company to provide guarantee. Step 5 After the transfer of the real estate license, the municipal capital center can release the loan funds, and directly transfer the loan funds into the deposit account opened by the seller through bank transfer, and the borrower will repay the loan principal and interest on a monthly basis from the month following the loan contract. Step 6: The guarantee company or intermediary company handles the mortgage registration formalities for the borrower, and submits the house ownership certificate to the loan bank for safekeeping and filing.