When handling the housing provident fund loan, you need the appraisal report of the purchased house, and you can ask a professional asset appraiser and real estate appraiser to write it on your behalf (you need to charge a certain fee, and the specific fee is subject to the fees charged by the asset appraiser and real estate appraiser).

The process of purchasing second-hand houses with provident fund loans is divided into seven steps, and the specific process is as follows:

1. The borrower consults in the housing provident fund center and gets the application form: the buyer and seller and their spouses (unmarried or divorced) pre-register in the city housing provident fund center, and get the provident fund loan application form in the name of the seller with the original real estate license, state-owned land use certificate, household registration book, ID card and marriage certificate.

Two. The Borrower submits the following loan information to the Municipal Provident Fund Center:

(1) provident fund loan application form;

(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. )

Three. Acceptance and approval of housing provident fund center: the municipal housing provident fund center accepts the information of loan applicants, and approves and determines the loan amount and term.

Four. Transaction transfer: the buyer and seller of the house go to the real estate bureau and the land and resources bureau to handle the transfer formalities of the warrant transaction.

Verb (abbreviation of verb) sign a contract: the borrower presents the transaction transfer certificate and deed tax payment invoice (original and photocopy) to the city housing provident fund center, and the city housing provident fund center issues a loan commitment letter to the designated bank to sign loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.

6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license.

7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank.