1. Qualification examination of the purchaser: the qualification examination of the purchaser is based on the family, and the family members include the purchaser, his spouse and minor children; Seller's property verification: the results will be available within 10 days at the earliest.

2. Online sign: the purchaser needs to prepare the required materials first, and go to the corresponding district and county housing management bureau to get the number, arrange the number and fill in the form; If you are a buyer through an intermediary, you don't need to go to the scene in person.

3. Evaluation: Generally, it takes 5-7 working sunrise evaluation reports.

4. Preliminary examination: refers to the preliminary examination of the borrower's loan qualification by the provident fund loan department, and it is necessary to submit relevant materials to the loan bank to show that it meets the loan conditions.

5. Face-to-face signing: The buyer and the seller need to bring relevant materials to the bank for face-to-face signing, and sign various contracts and letters of guarantee with the bank.

6. Bank loan approval: Under normal circumstances, the municipal provident fund loan will be approved within 5-7 working days after the borrower personally signs it.

7. Sign a loan contract.

8. Payment of taxes and fees: Taxes and fees that may be involved in housing transactions include deed tax, value-added tax and surcharges, personal income tax, comprehensive land price, land transfer fee, etc.

9. Transfer: the change of property rights shall be subject to the registration of real estate. If the house is illegal, sealed up or policy changes, it will affect the transfer of the house.

10, Bank Lending: Lending banks usually lend money within 15-20 working days after seeing the real estate registration certificate, but the time limit will be different due to different banking policies or urban areas.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.