1. If you look for an intermediary, the intermediary will take you through all the formalities, but you have to give the intermediary a certain percentage of commission;

2. If you handle it yourself,

A. First, go to the counter of the provident fund bank to understand the process needed by the bank;

B. Go to the Housing Authority to understand the transfer process and prepare the documents needed for the transfer. At the same time, you and the original owner need to prepare their own seals, and you need to evaluate the house. You can learn about it yourself and record the relevant process. When going through the relevant formalities, the original owner needs to be present, and the time must be arranged to avoid unnecessary trouble; When going through the formalities, you and the original owner need to fill in the relevant information and sign it at the Housing Authority and the loan bank at the same time.

C. deposit your down payment or the whole amount into a fund supervision account of the bank, and then wait for the real estate license. After the real estate license comes down, the bank will pay the house money to the original owner in a week or so. You don't need to do anything in the middle, just wait.

D. After the original owner receives the house payment, you can also get the real estate license, so you can get the house key.

This is just a rough process. The specific information still needs you to go to the local housing authority and the loan bank to understand, which is not too complicated. It is suggested that you handle it yourself, which can save some of your intermediary money. In addition, the allocation time of provident fund loans is longer than that of commercial loans, and it will take about one month to come down. You'd better communicate with the original owner in advance to avoid unnecessary misunderstanding.

Good luck!