Buying a house with provident fund means issuing your real estate license after the transfer, applying to the bank with your real estate license, signing your loan contract at the provident fund management center after the application, and then taking your real estate license to the housing management office for mortgage registration, that is, stamping a mortgage registration stamp. The real estate license does not need to be mortgaged in the bank. Three certificates probably refer to real estate license, land use certificate, and

The lack of deed tax is generally deed tax payment certificate and real estate license, and second-hand commercial housing has no land use certificate.