1. The real estate appraisal agency designated by the Housing Provident Fund Management Center evaluates the transaction house, determines the loan amount, term and repayment method, evaluates the transaction house, and determines the loan amount and the value of the house (collateral) to be traded by both parties. Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center will pre-examine the loan amount and term to be applied by the employees, and issue the Pre-examination Confirmation Form for the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees.

2. Employees who put forward loan demand and intend to apply for second-hand housing loans should submit the borrower's (spouse's) salary income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the house ownership certificate before the transaction, and the business personnel should review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true and standardized.

3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods can be divided into installment guarantee plus mortgage and mortgage. The borrower can choose independently according to his own actual situation. If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company selected by the borrower shall bear the installment joint liability guarantee for the borrower before the mortgage registration formalities of the house purchased by the borrower are completed and the house ownership certificate is handed over to the trustee bank for acceptance. If the second-hand housing loan is handled by mortgage, the borrower shall go through the mortgage registration formalities before the loan is issued, and the house ownership certificate shall be kept by the entrusted bank.

4. Sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities, receive the house evaluation report, sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities and self-raised fund delivery. Both parties to the transaction can make delivery under the witness of the guarantee company (the entrusted bank), or they can choose to be supervised and paid by the entrusted bank.

5. Fill in the housing provident fund loan application form and submit all loan application materials as required (including housing appraisal report, housing provident fund loan application form and all loan application materials including housing appraisal report as required, and submit all loan application materials including housing appraisal report as required). If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company may submit the loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower himself shall submit the loan application materials.

6. Bank Loans With the gradual increase of bank loan interest and the cancellation of the first set of housing loan interest rate concessions, the interest cost of buying a house with commercial loans is getting higher and higher, which is higher than that of housing provident fund loans. If you have the conditions for housing provident fund loans, using provident fund loans is the most cost-effective way.

7, audit, examination and approval, audit

8, signed a loan contract and other procedures