To buy a second-hand house, you can apply for a provident fund loan. There are two ways to apply for a provident fund personal housing loan:

1. The borrower applies directly to the Municipal Fund Center for a loan. Process:

The first step is to consult the "center" and receive the application form: the house buyer, seller and spouse (certificates should be issued if unmarried or divorced), hold the "House Ownership Certificate" and "State-owned Property Certificate" in the name of the seller. The originals of the two certificates "Land Use Certificate", as well as the original household registration book, ID card and marriage certificate, go to the Municipal Fund Center for pre-registration and receive a provident fund loan application form.