The house has a provident fund loan for sale. The second-hand market transactions are mainly based on real estate licenses, and only with real estate licenses can they be listed and traded. The transaction process is as follows:

1. The seller shall cooperate with the buyer in the property right investigation. Including the examination and approval of the integrity, authenticity and reliability of the house property right, we should pay attention to whether the owner's name on the real estate license is consistent with that of the seller, whether there is mortgage, joint ownership and so on. ;

2. The buyer and the seller sign the house purchase contract, and sign the house price, payment method, delivery time and deposit in detail;

3. The real estate management department verifies the declared transaction price, conducts on-site investigation and evaluation of the transferred house as required, and the intermediary company handles the loan formalities for the buyer in the relevant bank. The loan application time is relatively strict, and the time is mostly half a month. Of course, every region is different. Finally, after the bank has passed the examination and approved the issuance, it will begin to handle the transfer procedures;

4. The parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the regulations, and the transfer form shall be issued by the real estate management department. After handling the above procedures, both parties shall obtain the certificate of real estate ownership according to the transfer procedures and the provisions of People's Republic of China (PRC) Real Estate Management Law.

Legal basis:

Article 7 of the Regulations on the Administration of Urban Real Estate Transfer

The transfer of real estate shall be handled in accordance with the following procedures:

(a) the parties to the real estate transfer signed a written transfer contract;

(two) the parties to the real estate transfer shall, within 90 days after the signing of the real estate transfer contract, declare the transaction price to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents;

(three) the real estate management department to review the relevant documents provided, and make a written reply whether or not to accept within 7 days, 7 days without a written reply, as agreed to accept;

(four) the real estate management department to verify the declared transaction price, and according to the need to conduct on-the-spot investigation and evaluation of the transferred real estate;

(five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions;

(six) the real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.